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). Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 1.6 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 11.6. A current level of 10.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix:
Consumer loans (30%), home mtgs (17%), comm loans (9%), other (45%)
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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