Major Rating Factors:
A current level of 9.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 9.2.
Other Rating Factors:
Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.4 has resulted in Good (6.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (17%), comm loans (7%), securities (1%), other (46%)
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
4690 Table Mountain Drive
Golden, CO 80403
Golden, CO 80403
Phone Number
(303) 279-6414
NCUA Charter Number
Website
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