Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Fair (4.6) profitability. Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (7.4). 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).
Asset Mix:
Consumer loans (25%), home mtgs (21%), other (54%)
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
3900 CLEVELAND AVENUE SOUTHEAST
Tumwater, WA 98501
Tumwater, WA 98501
Phone Number
(360) 943-0740
NCUA Charter Number
Website
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