Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (8.6). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.8.
Asset Mix:
Consumer loans (29%), home mtgs (24%), other (47%)
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
1300 Southwest Sixth Avenue
Portland, OR 97201
Portland, OR 97201
Phone Number
(503) 227-5571
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Portland, OR
Portland, OR
Portland, OR
Portland, OR
