Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Fair (3.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 7.9.
Asset Mix:
Consumer loans (55%), home mtgs (6%), securities (6%), other (33%)
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
202 Ninth Avenue, SE
Olympia, WA 98501
Olympia, WA 98501
Phone Number
(360) 754-5559
NCUA Charter Number
Website
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