Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Good (6.2) profitability.
Other Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (50%), consumer loans (25%), comm loans (7%), other (19%)
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
803 East Olive Street
Lamar, CO 81052
Lamar, CO 81052
Phone Number
(719) 336-5511
NCUA Charter Number
Largest Competitors
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