Major Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.2.
Other Rating Factors:
Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.7 has resulted in Excellent (8.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (35%), home mtgs (14%), comm loans (6%), other (44%)
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
6312 19th Street West
Tacoma, WA 98466
Tacoma, WA 98466
Phone Number
(253) 565-9895
NCUA Charter Number
Website
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