Sno Falls Credit Union
Major Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 7.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (9.6). Weak liquidity 2.8, driven by a liquidity ratio of 13.8 percent and a “hot money” ratio of 1.7 percent.
Asset Mix:
Home mtgs (35%), consumer loans (14%), other (50%)
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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