Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (9.4) profitability.
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (26%), home mtgs (18%), other (56%)
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
4800 SW Research Way
Corvallis, OR 97333
Corvallis, OR 97333
Phone Number
(541) 714-4000
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Eugene, OR
Springfield, OR
Corvallis, OR
