Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 11.6. A current level of 5.9 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Good liquidity 6.0, driven by a liquidity ratio of 38.7 percent and a “hot money” ratio of 2.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (21%), home mtgs (21%), other (59%)
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
5080 West 60th Avenue
Arvada, CO 80003
Arvada, CO 80003
Phone Number
(303) 428-5080
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Arvada, CO
Arvada, CO
Arvada, CO