Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.0 has resulted in Weak (2.4) profitability. A current level of 12.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.0 and a net worth ratio of 14.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (30%), home mtgs (24%), comm loans (13%), other (33%)
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
2201 North Fitzsimons Parkway
Aurora, CO 80045
Aurora, CO 80045
Phone Number
(303) 340-3343
NCUA Charter Number
Website
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