Grand Junction Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.7 and a net worth ratio of 19.7. A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10). Fair liquidity 5.0, driven by a liquidity ratio of 38.7 percent and a “hot money” ratio of 16.3 percent.
Asset Mix:
Securities (19%), consumer loans (19%), home mtgs (17%), comm loans (5%), other (40%)
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
633 24 Road
Grand Junction, CO 81505
Grand Junction, CO 81505
Phone Number
(970) 243-1370
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Grand Junction, CO
Grand Junction, CO
Grand Junction, CO