Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.1 has resulted in Weak (2.8) profitability. A current level of 12.3 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), home mtgs (12%), other (48%)
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
5005 West 60th Avenue
Arvada, CO 80003
Arvada, CO 80003
Phone Number
(303) 427-5005
NCUA Charter Number
Website
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