Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). A current level of 21.5 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.1).
Other Rating Factors:
Weak current capitalization (2.4 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 5.1. Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Weak (2.8) profitability.
Asset Mix:
Consumer loans (51%), other (49%)
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
309 Main Street
Olathe, CO 81425
Olathe, CO 81425
Phone Number
(970) 323-5448
NCUA Charter Number
Largest Competitors
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