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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Fair (4.3) profitability.
Other Rating Factors:
A current level of 19.1 percent of nonperforming loans to core capital combined with 19.1 percent from a year earlier contributes to the Good asset quality (5.4). Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (38%), home mtgs (16%), other (46%)
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
2401 E Pershing Blvd
Cheyenne, WY 82001
Cheyenne, WY 82001
Phone Number
(800) 368-9328
NCUA Charter Number
Website
Largest Competitors
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY