Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.0 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 11.5.
Asset Mix:
Consumer loans (31%), securities (8%), home mtgs (2%), other (59%)
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
6001 Capitol Boulevard, SW
Tumwater, WA 98501
Tumwater, WA 98501
Phone Number
(360) 943-7676
NCUA Charter Number
Website
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