Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 11.0. A current level of 2.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4).
Other 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 (4.9 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 26.9 percent and a “hot money” ratio of 22.6 percent.
Asset Mix:
Comm loans (18%), consumer loans (16%), home mtgs (15%), securities (1%), other (50%)
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