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 (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.2 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 8.0. A current level of 19.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Asset Mix:
Consumer loans (18%), home mtgs (17%), securities (5%), other (60%)
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
Tower 1
Aurora, CO 80014
Aurora, CO 80014
Phone Number
(303) 369-7666
NCUA Charter Number
Website
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