Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 10.9. Fair liquidity 4.1, driven by a liquidity ratio of 13.5 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Consumer loans (34%), home mtgs (4%), other (63%)
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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