Production (Stage)
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 0.0. A current level of 13.8 percent of nonperforming loans to core capital combined with 13.8 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 13.7 percent and a “hot money” ratio of 22.1 percent.
Asset Mix:
Consumer loans (42%), securities (10%), home mtgs (7%), other (41%)
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
9707 North Nevada Street
Spokane, WA 99218
Spokane, WA 99218
Phone Number
(509) 838-6157
NCUA Charter Number
Website
Largest Competitors
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA