Major Rating Factors:
A current level of 14.4 percent of nonperforming loans to core capital combined with 10.7 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.0 has resulted in Fair (4.6) profitability.
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (48%), home mtgs (19%), other (34%)
Largest Competitors
Portland, OR
Medford, OR
Eugene, OR
Eugene, OR
Eugene, OR