Major Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 10.2.
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 (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.4 has resulted in Fair (3.8) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (17%), comm loans (5%), other (49%)
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
Denver, CO