Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 12.5.
Other Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.4 has resulted in Good (6.2) profitability.
Asset Mix:
Comm loans (25%), home mtgs (24%), consumer loans (22%), other (29%)
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