Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.4. A current level of 6.8 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Excellent asset quality (7.7).
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 (6.4 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 14.9 percent.
Asset Mix:
Consumer loans (4%), 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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