Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.0 has resulted in Weak (1.1) profitability. A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.3 and a net worth ratio of 17.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.9 on a scale of 0 to 10).
Asset Mix:
Comm loans (40%), home mtgs (21%), consumer loans (6%), other (33%)
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
110 N 5th Ave
Yakima, WA 98902
Yakima, WA 98902
Phone Number
(800) 347-9222
NCUA Charter Number
Website
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