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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 31.1 percent and a “hot money” ratio of 0.0 percent. A current level of 4.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Asset Mix:
Consumer loans (62%), other (38%)
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