Major Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.7 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1.
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (45%), home mtgs (16%), comm loans (1%), other (38%)
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
2835 East Grand Avenue
Laramie, WY 82070
Laramie, WY 82070
Phone Number
(307) 745-4726
NCUA Charter Number
Website
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