Major Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 6.5, driven by a liquidity ratio of 28.0 percent and a “hot money” ratio of 2.6 percent. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.2) profitability.
Asset Mix:
Consumer loans (18%), home mtgs (8%), other (74%)
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
120 West Carlson Street
Cheyenne, WY 82009
Cheyenne, WY 82009
Phone Number
(307) 432-7400
NCUA Charter Number
Website
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Cheyenne, WY
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY