Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.6 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.7 has resulted in Good (6.1) profitability. A current level of 11.4 percent of nonperforming loans to core capital combined with 9.1 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Consumer loans (52%), home mtgs (2%), other (46%)
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
3102 Broadway
Everett, WA 98201
Everett, WA 98201
Phone Number
(425) 252-5139
NCUA Charter Number
Website
Largest Competitors
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Everett, WA
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Everett, WA