Major Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 10.1.
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 (5.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Fair (4.3) profitability.
Asset Mix:
Comm loans (25%), home mtgs (21%), consumer loans (12%), other (42%)
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
3700 East Alameda Avenue
Denver, CO 80209
Denver, CO 80209
Phone Number
(303) 321-4209
NCUA Charter Number
Website
Largest Competitors
Denver, CO
Denver, CO
Denver, CO
Denver, CO