Major Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Fair (5.0) profitability. A current level of 16.0 percent of nonperforming loans to core capital combined with 17.6 percent from a year earlier contributes to the Fair asset quality (4.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 11.7. Fair liquidity 4.5, driven by a liquidity ratio of 45.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (55%), other (45%)
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
678 School Street
Craig, CO 81625
Craig, CO 81625
Phone Number
(970) 824-2668
NCUA Charter Number
Largest Competitors
Colorado Springs, CO
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