Spokane Teachers Credit Union
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 (5.0 on a scale of 0 to 10). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 10.6.
Other Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (8.0). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (26%), home mtgs (24%), other (50%)
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
1620 North Signal Drive
Liberty Lake, WA 99019
Liberty Lake, WA 99019
Phone Number
(509) 326-1954
NCUA Charter Number
Website
Largest Competitors
Tukwila, WA
Richland, WA
Olympia, WA
Lacey, WA
Spokane, WA
