Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 11.1 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 10.1. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 0.7 has resulted in Good (6.8) profitability.
Asset Mix:
Consumer loans (49%), home mtgs (13%), 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
9990 Park Meadows Drive
Lone Tree, CO 80124
Lone Tree, CO 80124
Phone Number
(303) 691-2345
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Boulder, CO
Denver, CO
