Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.5. Good liquidity 5.2, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 11.1 percent.
Asset Mix:
Home mtgs (22%), consumer loans (19%), other (59%)
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
205 East Third Street
Salida, CO 81201
Salida, CO 81201
Phone Number
(719) 539-2968
NCUA Charter Number
Website
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