Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.1 and a net worth ratio of 12.2. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.9 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (6.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (49%), home mtgs (14%), other (37%)
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
1715 Stillwater Avenue
Cheyenne, WY 82009
Cheyenne, WY 82009
Phone Number
(307) 638-4200
NCUA Charter Number
Website
Largest Competitors
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY
Cheyenne, WY