Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 2.2 and a net worth ratio of 10.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Weak liquidity 2.6, driven by a liquidity ratio of 21.3 percent and a “hot money” ratio of 18.3 percent.
Asset Mix:
Consumer loans (7%), comm loans (2%), other (91%)
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
116 Inverness Drive East
Englewood, CO 80112
Englewood, CO 80112
Phone Number
(720) 479-7900
NCUA Charter Number
Website
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