Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 0.0. A current level of 5.9 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 35.8 percent and a “hot money” ratio of 19.3 percent.
Asset Mix:
Consumer loans (3%), home mtgs (2%), other (95%)
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
955 Ross Loop
Dupont, WA 98327
Dupont, WA 98327
Phone Number
(253) 722-5212
NCUA Charter Number
Website
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