Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Weak (1.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 12.9. A current level of 3.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Asset Mix:
Consumer loans (33%), home mtgs (11%), comm loans (2%), other (53%)
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
1075 Acoma Street
Denver, CO 80204
Denver, CO 80204
Phone Number
(303) 573-1170
NCUA Charter Number
Website
Largest Competitors
Denver, CO
Denver, CO
Denver, CO
Denver, CO