Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.3 and a net worth ratio of 16.9. A current level of 14.0 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 0.9 has resulted in Fair (4.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (40%), consumer loans (29%), securities (4%), other (27%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
120 Firman Avenue
Hoquiam, WA 98550
Hoquiam, WA 98550
Phone Number
(360) 533-4760
NCUA Charter Number
Website
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