Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.2. A current level of 6.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Good liquidity 5.2, driven by a liquidity ratio of 19.2 percent and a “hot money” ratio of 13.7 percent.
Asset Mix:
Consumer loans (22%), home mtgs (13%), comm loans (1%), securities (0%), other (64%)
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
1615 East Evans Avenue
Pueblo, CO 81004
Pueblo, CO 81004
Phone Number
(719) 564-0710
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Pueblo, CO
Pueblo, CO