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Overview / Commentary
303-740-7063
3999 E Arapahoe Rd
Centennial, CO 80122-2076

Arapahoe Credit Union is headquartered in Centennial and is the 27th largest credit union in the state of Colorado. It is also the 1,484th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 31 employees and 9,834 members. Arapahoe Credit Union has a A health rating.

Field of Membership Restrictions

If you live or have lived in Colorado, we can almost assuredly make you a member. - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Arapahoe Credit Union had $43,000 in non-current loans and owned real-estate with $9.9 million in equity and loan loss allowances on hand to cover it. This gives Arapahoe Credit Union a Texas Ratio of 0.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Arapahoe Credit Union decreased dramatically from 0.97% as of March 31, 2013 to 0.43% as of March 31, 2014, resulting in a positive change of 55.04%.This indicates that the balance sheet and financial strength for Arapahoe Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Arapahoe Credit Union has increased its total deposits by $8.15 million, resulting in 9.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Arapahoe Credit Union has shown is excellent.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Arapahoe Credit Union has $104.45 million in assets with $9.9 million in equity, resulting in a capitalization level of 9.47%, which is average.

Institution Statistics

Overall
NCUA #64110
Year Chartered1938
Employees31
Primary Regulator
Assets and Liabilities
Assets$104.45 million
Loans$75.01 million
Deposits$94.48 million
Equity Capital$9.55 million
Loan Loss Allowance$343,000
Unbacked Noncurrent Loans$43,000
Real Estate Owned$0
Historic Data - March 2013
Assets$95.62 million
Equity Capital$8.85 million
Loan Loss Allowance$359,000
Unbacked Noncurrent Loans$43,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.26%
Return on Assets0.29%
Return on Equity3.22%
Interest Income$978,000
Rates

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Arapahoe Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25-Traditional IRA Share
0.10%$25-Holiday Club
0.10%$25-Roth IRA Share
0.07%$25-Regular Shares

Arapahoe Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$75k-Money Market Account

Arapahoe Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.07%$500-Interest Checking

Arapahoe Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.00%$100-60 Month Certificate
1.55%$100-48 - 59 Month Certificate
1.15%$100-36 - 47 Month Certificate
0.90%$100-30 - 35 Month Certificate
0.75%$100-24 - 29 Month Certificate
0.60%$100-18 - 23 Month Certificate
0.45%$100-12 - 17 Month Certificate
0.35%$100-6 - 11 Month Certificate
0.30%$100-3 - 5 Month Certificate

Arapahoe Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.00%$100-60 Month IRA Certificate
1.55%$100-48 - 59 Month IRA Certificate
1.15%$100-36 - 47 Month IRA Certificate
0.90%$100-30 - 35 Month IRA Certificate
0.75%$100-24 - 29 Month IRA Certificate
0.60%$100-18 - 23 Month IRA Certificate
0.45%$100-12 - 17 Month IRA Certificate
0.35%$100-6 - 11 Month IRA Certificate
0.30%$100-3 - 5 Month IRA Certificate
Locations


Arapahoe Credit Union Locations
Branch Office3999 E Arapahoe RdCentennial, CO 80122-2076
Branch Office303 E Hampden AveEnglewood, CO 80113-2621