Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.5 and a net worth ratio of 13.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.7 has resulted in Fair (4.4) profitability. Fair liquidity 3.9, driven by a liquidity ratio of 27.5 percent and a “hot money” ratio of 26.2 percent.
Asset Mix:
Consumer loans (25%), home mtgs (13%), comm loans (10%), other (53%)
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
2096 Mission Street, SE
Salem, OR 97302
Salem, OR 97302
Phone Number
(503) 364-7999
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Salem, OR
Salem, OR
Salem, OR