Major Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.8). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 8.5.
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 (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 2.1 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (25%), home mtgs (17%), other (58%)
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
8959 E. 40th Avenue
Denver, CO 80238
Denver, CO 80238
Phone Number
(303) 832-4816
NCUA Charter Number
Website
Largest Competitors
Denver, CO
Denver, CO
Denver, CO
Denver, CO