Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 12.8 percent and a “hot money” ratio of 19.2 percent. Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 7.4.
Asset Mix:
Home mtgs (20%), comm loans (16%), consumer loans (5%), securities (3%), other (56%)
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
751 Chambers Road
Aurora, CO 80011
Aurora, CO 80011
Phone Number
(303) 360-0987
NCUA Charter Number
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Aurora, CO
Aurora, CO
Aurora, CO