Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10). A current level of 6.5 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Fair asset quality (4.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Excellent (7.6) profitability. Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8.
Asset Mix:
Consumer loans (57%), home mtgs (19%), other (25%)
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
2835 East Grand Avenue
Laramie, WY 82070
Laramie, WY 82070
Phone Number
(307) 745-4726
NCUA Charter Number
Website
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