Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.4. A current level of 12.8 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 19.6 percent and a “hot money” ratio of 24.7 percent.
Asset Mix:
Consumer loans (44%), securities (9%), home mtgs (7%), other (40%)
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
9707 North Nevada Street
Spokane, WA 99218
Spokane, WA 99218
Phone Number
(509) 838-6157
NCUA Charter Number
Website
Largest Competitors
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA
