Major 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 (1.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 39.4 percent of nonperforming loans to core capital combined with 39.4 percent from a year earlier contributes to the Weak asset quality (1.7). Weak liquidity 2.0, driven by a liquidity ratio of 10.4 percent and a “hot money” ratio of 15.1 percent.
Asset Mix:
Consumer loans (42%), home mtgs (39%), other (19%)
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
229 South Colorado Avenue
Haxtun, CO 80731
Haxtun, CO 80731
Phone Number
(970) 774-7396
NCUA Charter Number
Website
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