Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.4 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.3 and a net worth ratio of 0.0. Fair liquidity 3.1, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 8.9 percent.
Asset Mix:
Home mtgs (37%), consumer loans (36%), other (27%)
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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