Community Choice Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.5 and a net worth ratio of 0.0. A current level of 3.5 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 30.6 percent and a “hot money” ratio of 0.6 percent.
Asset Mix:
Consumer loans (17%), home mtgs (13%), securities (8%), other (62%)
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
6921 East 72nd Avenue
Commerce City, CO 80022
Commerce City, CO 80022
Phone Number
(303) 287-8025
NCUA Charter Number
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Lone Tree, CO
Boulder, CO