Major Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.5 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Fair asset quality (4.8). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Fair (3.3) profitability.
Asset Mix:
Consumer loans (53%), home mtgs (11%), securities (5%), other (31%)
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
1075 Oak Street
Eugene, OR 97401
Eugene, OR 97401
Phone Number
(541) 343-6238
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Eugene, OR
Eugene, OR
Eugene, OR
