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 9.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 0.7 has resulted in Excellent (7.2) profitability. Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.9.
Asset Mix:
Consumer loans (47%), home mtgs (15%), comm loans (14%), other (24%)
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
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