Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0. Good liquidity 6.5, driven by a liquidity ratio of 30.6 percent and a “hot money” ratio of 2.7 percent.
Asset Mix:
Consumer loans (19%), 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