Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.3 has resulted in Fair (4.6) profitability.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Excellent asset quality (7.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), consumer loans (23%), other (53%)
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
1910 First Avenue South
Seattle, WA 98134
Seattle, WA 98134
Phone Number
(206) 398-5500
NCUA Charter Number
Website
Largest Competitors
Tukwila, WA
Seattle, WA
Seattle, WA
Seattle, WA
Seattle, WA