Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.1 has resulted in Weak (2.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 25.2 percent and a “hot money” ratio of 1.5 percent. Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.7.
Asset Mix:
Consumer loans (30%), home mtgs (11%), other (58%)
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
6103 North Astor Street
Spokane, WA 99208
Spokane, WA 99208
Phone Number
(509) 838-8960
NCUA Charter Number
Website
Largest Competitors
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA