A
Cascade Community Federal Credit Union
Roseburg, OR
Data as of
June 30, 2021
Risk Based
Capital Ratio
12.51
Leverage
Ratio
12.52
Return On
Assets
1.96%
Total
Assets
340.66M
Capital
42.62M
Total
Deposits
296.72M
Net
Income
3.20M
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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 12.5. A current level of 0.0 percent of nonperforming loans to core capital 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 (9.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (9.5) profitability.
Asset Mix: Consumer loans (23%), home mtgs (17%), other (60%)
Asset Quality
Non-Performing Loans to Capital
0.03%
Non-Performing Assets to Assets
0.00%
Non-Performing Loans to Loans
0.01%
Loan Loss Reserves to Loans
0.03%
Charge-Offs to Average Loans
0.01%
5-Year Charge-Offs to Average Loans
0.03%
5-Year Asset Growth
10.88%
1-Year Asset Growth
24.50%
Profitability
Operating Profit to Average Assets
1.96%
Return on Equity
15.67%
Net Interest Spread
3.09%
5-Year ROAA (Return on Average Assets)
1.36%
Overhead Efficiency Ratio
50.63%
Liquidity
Liquidity Ratio
17.27%
Hot Money
2.34%
Corporate Info
Address
1123 West Harvard Avenue
Roseburg, OR 97471
Phone Number
(541) 672-9000
NCUA Charter Number
Weiss Ratings