Major Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 0.9 has resulted in Excellent (7.6) profitability. A current level of 4.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9).
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (46%), home mtgs (17%), comm loans (0%), other (37%)
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
365 North Third Street
Laramie, WY 82072
Laramie, WY 82072
Phone Number
(307) 745-5365
NCUA Charter Number
Website
Largest Competitors
Cheyenne, WY
Laramie, WY
Cheyenne, WY
Green River, WY
Laramie, WY