Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 11.7. A current level of 7.0 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Consumer loans (51%), home mtgs (15%), other (34%)
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
1209 North 16th Avenue
Yakima, WA 98902
Yakima, WA 98902
Phone Number
(509) 248-4308
NCUA Charter Number
Website
Largest Competitors
Tukwila, WA
Liberty Lake, WA
Richland, WA
Olympia, WA
Yakima, WA