Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.6 and a net worth ratio of 12.6. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Excellent (8.6) profitability. Excellent liquidity 7.9, driven by a liquidity ratio of 56.4 percent and a “hot money” ratio of 0.4 percent.
Asset Mix:
Consumer loans (16%), home mtgs (2%), other (82%)
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
720 North Greenwood Street
Pueblo, CO 81003
Pueblo, CO 81003
Phone Number
(719) 542-3379
NCUA Charter Number
Website
Largest Competitors
Colorado Springs, CO
Greenwood Village, CO
Pueblo, CO
Pueblo, CO
Pueblo, CO