Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.1 and a capital leverage ratio of 17.3. A current level of 1.9 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (9.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.2) profitability.
Asset Mix:
Home mtgs (48%), securities (20%), comm re (9%), cash (5%), home eq lns (3%), consumer loans (1%), comm loans (1%), other (13%)
States with Branches:
CO
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
Group Affiliation
Colorado Mutual Holding Company
Investment Rating
--
Address
401 Edison Avenue
Alamosa, CO 81101
Alamosa, CO 81101
Phone Number
(719) 589-6653
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.