Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (18%), consumer loans (7%), securities (5%), other (70%)
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
100 Circle Drive
Delta, CO 81416
Delta, CO 81416
Phone Number
(970) 874-7674
NCUA Charter Number
Website
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