Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.0 and a net worth ratio of 15.0. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0).
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 (7.5 on a scale of 0 to 10). Good liquidity 5.2, driven by a liquidity ratio of 51.7 percent and a “hot money” ratio of 4.7 percent.
Asset Mix:
Securities (57%), home mtgs (11%), consumer loans (9%), other (23%)
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
12630 SE Division Street
Portland, OR 97236
Portland, OR 97236
Phone Number
(503) 760-5304
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Portland, OR
Portland, OR
Portland, OR
Portland, OR
