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 (5.0 on a scale of 0 to 10). A current level of 15.0 percent of nonperforming loans to core capital combined with 15.0 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.4 has resulted in Good (5.8) profitability.
Asset Mix:
Home mtgs (22%), consumer loans (12%), other (66%)
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
11027 Meridian Avenue, North
Seattle, WA 98133
Seattle, WA 98133
Phone Number
(206) 361-5346
NCUA Charter Number
Website
Largest Competitors
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