Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). A current level of 2.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
Other Rating Factors:
Operating profits as a percentage of assets at 4.7%, coupled with a return on assets of 4.7 has resulted in Excellent (9.3) profitability. Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.4.
Asset Mix:
Consumer loans (54%), comm loans (1%), 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
502 North Main Street
Sheridan, WY 82801
Sheridan, WY 82801
Phone Number
(307) 674-7449
NCUA Charter Number
Website
Largest Competitors
Cheyenne, WY
Laramie, WY
Cheyenne, WY
Green River, WY
Sheridan, WY