Harmony Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.1 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 65.8 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.8.
Asset Mix:
Securities (56%), consumer loans (9%), home mtgs (2%), other (33%)
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
504 Court Road
Grand Junction, CO 81501
Grand Junction, CO 81501
Phone Number
(970) 242-3100
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Grand Junction, CO
Grand Junction, CO
Grand Junction, CO