Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.0 has resulted in Weak (2.0) profitability.
Asset Mix:
Comm loans (30%), home mtgs (26%), consumer loans (17%), other (26%)
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