Air Academy Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.1 has resulted in Fair (3.2) profitability.
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.2). Weak liquidity 2.4, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 9.4 percent.
Asset Mix:
Home mtgs (34%), consumer loans (27%), other (39%)
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
9810 North Union Boulevard
Colorado Springs, CO 80924
Colorado Springs, CO 80924
Phone Number
(719) 593-8600
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Colorado Springs, CO
Colorado Springs, CO
Colorado Springs, CO
Colorado Springs, CO