North Coast 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 11.7 and a net worth ratio of 13.5. A current level of 2.4 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.9).
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 (8.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Good (6.6) profitability.
Asset Mix:
Consumer loans (23%), home mtgs (21%), other (56%)
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
1100 Dupont Street
Bellingham, WA 98225
Bellingham, WA 98225
Phone Number
(360) 733-3982
NCUA Charter Number
Website
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