Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 29.6 percent and a “hot money” ratio of 7.4 percent. A current level of 20.6 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (19%), consumer loans (16%), other (65%)
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
8505 SW Creekside Place
Beaverton, OR 97008
Beaverton, OR 97008
Phone Number
(503) 626-6600
NCUA Charter Number
Website
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