Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 9.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.5 has resulted in Excellent (7.5) profitability. Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.2.
Asset Mix:
Consumer loans (29%), home mtgs (15%), comm loans (12%), other (43%)
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
1920 Thomes Avenue
Cheyenne, WY 82001
Cheyenne, WY 82001
Phone Number
(307) 633-2969
NCUA Charter Number
Website
Largest Competitors
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY