Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.9. A current level of 2.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3).
Other Rating Factors:
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). Fair liquidity 4.6, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 23.1 percent.
Asset Mix:
Consumer loans (16%), home mtgs (15%), comm loans (14%), securities (1%), other (54%)
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
2901 South 27th Avenue
Greeley, CO 80631
Greeley, CO 80631
Phone Number
(970) 330-3900
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Lone Tree, CO
Broomfield, CO
Greeley, CO