Major Rating Factors:
A current level of 12.8 percent of nonperforming loans to core capital combined with 11.0 percent from a year earlier contributes to the Fair asset quality (5.0). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.5 has resulted in Fair (4.9) profitability.
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (47%), home mtgs (18%), other (35%)
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
2880 Chad Drive
Eugene, OR 97408
Eugene, OR 97408
Phone Number
(541) 687-2347
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Eugene, OR
Eugene, OR
Eugene, OR
