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 (4.5 on a scale of 0 to 10). A current level of 20.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 8.2. Fair liquidity 3.9, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 12.7 percent.
Asset Mix:
Consumer loans (20%), home mtgs (13%), securities (7%), 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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