Aspen Federal Credit Union
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 (5.0 on a scale of 0 to 10). Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.3.
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (8.5). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (6.8) profitability.
Asset Mix:
Consumer loans (36%), home mtgs (13%), other (50%)
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
4956 Fifth Street
Rapid City, SD 57701
Rapid City, SD 57701
Phone Number
(605) 342-7776
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Rapid City, SD
Rapid City, SD
Rapid City, SD
Rapid City, SD