Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Good liquidity 5.7, driven by a liquidity ratio of 21.4 percent and a “hot money” ratio of 5.6 percent.
Asset Mix:
Consumer loans (17%), home mtgs (17%), other (66%)
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Lone Tree, CO
Boulder, CO