Horizons North Credit Union
Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.2. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.4) profitability.
Asset Mix:
Consumer loans (17%), comm loans (10%), home mtgs (6%), other (67%)
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
13559 Huron Street
Westminster, CO 80234
Westminster, CO 80234
Phone Number
(303) 451-1146
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Lone Tree, CO
Broomfield, CO
Westminster, CO