Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 9.6.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (8.9). Good liquidity 5.3, driven by a liquidity ratio of 35.3 percent and a “hot money” ratio of 20.0 percent.
Asset Mix:
Consumer loans (21%), home mtgs (10%), other (69%)
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
9305 West Alameda Avenue
Lakewood, CO 80226
Lakewood, CO 80226
Phone Number
(303) 234-1700
NCUA Charter Number
Website
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