Major Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 34.2 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (52%), 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
910 Main Street
Alamosa, CO 81101
Alamosa, CO 81101
Phone Number
(719) 589-6535
NCUA Charter Number
Website
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