Development
Major Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (7.6). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (6.5) profitability.
Other 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 (4.9 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 10.7 percent.
Asset Mix:
Consumer loans (24%), home mtgs (14%), other (61%)
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
1020 South Bailey Street
Palmer, AK 99645
Palmer, AK 99645
Phone Number
(907) 745-4891
NCUA Charter Number
Website
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