Whatcom Educational Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 11.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Good (5.5) profitability.
Asset Mix:
Home mtgs (28%), consumer loans (25%), comm loans (18%), securities (1%), other (28%)
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
600 East Holly Street
Bellingham, WA 98225
Bellingham, WA 98225
Phone Number
(360) 676-1168
NCUA Charter Number
Website
Largest Competitors
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Bellingham, WA