One Thirteen Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (4.1) profitability.
Other Rating Factors:
A current level of 13.3 percent of nonperforming loans to core capital combined with 17.1 percent from a year earlier contributes to the Fair asset quality (4.1). Fair liquidity 4.7, driven by a liquidity ratio of 31.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (59%), other (41%)
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
3505 North Chestnut Street
Colorado Springs, CO 80907
Colorado Springs, CO 80907
Phone Number
(719) 632-7118
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Colorado Springs, CO
Colorado Springs, CO
Colorado Springs, CO
Colorado Springs, CO