Major 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 (6.9 on a scale of 0 to 10). A current level of 10.5 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 14.5. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Fair (4.2) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (8%), other (58%)
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
7101 Supra Drive, SW
Albany, OR 97321
Albany, OR 97321
Phone Number
(541) 928-4536
NCUA Charter Number
Website
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