Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (9.6). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 6.6, driven by a liquidity ratio of 32.1 percent and a “hot money” ratio of 2.7 percent. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (17%), home mtgs (7%), other (76%)
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