Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 12.7. A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2).
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 (6.9 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 18.1 percent and a “hot money” ratio of 14.9 percent.
Asset Mix:
Consumer loans (18%), home mtgs (13%), comm loans (9%), securities (1%), other (59%)
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
1549 East Abriendo Avenue
Pueblo, CO 81004
Pueblo, CO 81004
Phone Number
(719) 544-6928
NCUA Charter Number
Website
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