Major Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 11.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Weak (3.0) profitability.
Asset Mix:
Home mtgs (27%), consumer loans (24%), other (50%)
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
1418 15th Avenue
Longview, WA 98632
Longview, WA 98632
Phone Number
(800) 562-5611
NCUA Charter Number
Website
Largest Competitors
Tukwila, WA
Longview, WA
Longview, WA
Longview, WA
Longview, WA