Major Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (8.8) profitability. Excellent liquidity 7.5, driven by a liquidity ratio of 41.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (22%), other (78%)
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
303 West Meeker
Puyallup, WA 98371
Puyallup, WA 98371
Phone Number
(253) 841-2668
NCUA Charter Number
Website
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