Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Weak (1.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.6 and a net worth ratio of 0.0. A current level of 0.5 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Home mtgs (22%), securities (18%), consumer loans (17%), other (43%)
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
2002 North Atlantic Street
Spokane, WA 99205
Spokane, WA 99205
Phone Number
(509) 484-5650
NCUA Charter Number
Website
Largest Competitors
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA