Sno Falls Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.9) profitability. A current level of 20.1 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.5).
Other Rating Factors:
Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 0.0. Fair liquidity 3.1, driven by a liquidity ratio of 12.1 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Home mtgs (33%), consumer loans (14%), other (53%)
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
320 SW Mount Si Boulevard
North Bend, WA 98045
North Bend, WA 98045
Phone Number
(425) 888-4004
NCUA Charter Number
Website
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