Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.5 has resulted in Good (6.0) profitability.
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 9.8.
Asset Mix:
Consumer loans (27%), home mtgs (24%), comm loans (15%), other (34%)
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
330 Union Avenue SE
Olympia, WA 98501
Olympia, WA 98501
Phone Number
(800) 562-0999
NCUA Charter Number
Website
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