Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Fair (4.2) profitability. Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 8.5.
Other Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (26%), home mtgs (21%), other (52%)
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
649 Woodland Square Loop, SE
Lacey, WA 98503
Lacey, WA 98503
Phone Number
(360) 943-0740
NCUA Charter Number
Website
Largest Competitors
Tukwila, WA
Liberty Lake, WA
Richland, WA
Olympia, WA
Lacey, WA
