Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.9 has resulted in Excellent (8.0) profitability. Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (22%), 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
4141 Sovereign Circle
Pueblo, CO 81005
Pueblo, CO 81005
Phone Number
(719) 561-0804
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Pueblo, CO
Pueblo, CO