Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (25%), home mtgs (20%), other (55%)
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
1010 Johnson Road
Golden, CO 80401
Golden, CO 80401
Phone Number
(303) 273-5200
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Lone Tree, CO
Boulder, CO
Golden, CO