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 (4.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 33.6 percent and a “hot money” ratio of 2.6 percent. Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (29%), home mtgs (22%), 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
113 Cedar Street
Julesburg, CO 80737
Julesburg, CO 80737
Phone Number
(970) 474-2617
NCUA Charter Number
Website
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