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 (3.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.3) profitability.
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.0). Good liquidity 6.3, driven by a liquidity ratio of 13.2 percent and a “hot money” ratio of 2.3 percent.
Asset Mix:
Consumer loans (18%), home mtgs (7%), 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
Largest Competitors
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY