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P.O. Box 1036
Wheat Ridge, CO 80034

B.C.S. Community Credit Union is headquartered in Wheat Ridge and is the 57th largest credit union in the state of Colorado. It is also the 3,198th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 6 employees and 3,430 members. B.C.S. Community Credit Union has a B health rating.

Field of Membership Restrictions

You are eligible for BCS Community Credit Union membership if you meet one of the following criteria: -If you live, work or worship within the City of Wheat Ridge, CO. -Are an employee of a one of the following employers: Burlington Northern Santa Fe Union Pacific Railroad Amtrak -Are an immediate relative of a BCS member including spouses, siblings, children and parents. -Members of the Emmaus Lutheran Church of St. Luke’s Lutheran Church in Denver or Golden, CO. -Students enrolled in the Emmaus Lutheran Church School or the Early Learning Center in Denver, CO. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. B.C.S. Community Credit Union has a low asset base.

Texas Ratio


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 B.C.S. Community Credit Union had $190,000 in non-current loans and owned real-estate with $4.7 million in equity and loan loss allowances on hand to cover it. This gives B.C.S. Community Credit Union a Texas Ratio of 4.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for B.C.S. Community Credit Union experienced no significant changes from 2.92% as of March 31, 2013 to 4.05% as of March 31, 2014, resulting in a negative change of 38.62%. This indicates that the balance sheet and financial strength for B.C.S. Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, B.C.S. Community Credit Union has decreased its total deposits by -$1.85 million, resulting in -8.05% 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 B.C.S. Community Credit Union has shown is below average.



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. B.C.S. Community Credit Union has $25.47 million in assets with $4.7 million in equity, resulting in a capitalization level of 18.44%, which is excellent.

Institution Statistics

NCUA #66037
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$25.47 million
Loans$15.98 million
Deposits$21.09 million
Equity Capital$4.33 million
Loan Loss Allowance$370,000
Unbacked Noncurrent Loans$190,000
Real Estate Owned$0
Historic Data - March 2013
Assets$27.31 million
Equity Capital$4.34 million
Loan Loss Allowance$151,000
Unbacked Noncurrent Loans$190,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.81%
Return on Assets1.65%
Return on Equity9.71%
Interest Income$299,000

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B.C.S. Community Credit Union Savings Account Rates

0.07%$750- Share Savings

B.C.S. Community Credit Union Money Market Rates

0.25%$50k-Money Market
0.25%$50k-IRA Money Market
0.25%$50k-Roth IRA Money Market

B.C.S. Community Credit Union Checking Account Rates

0.07%$5k-Share Drafts

B.C.S. Community Credit Union CD Rates

1.45%$50k-60 Month CD Special
1.45%$500-60 Month CD
1.25%$500-48 Month CD
0.95%$500-36 Month CD
0.65%$50k-24 Month CD Special
0.65%$500-24 Month CD
0.50%$50k-12 Month CD Special
0.50%$500-12 Month CD
0.50%$500-18 Month CD
0.26%$500-6 Month CD

B.C.S. Community Credit Union IRA Rates

1.45%$500-60 Month IRA
1.45%$50k-60 Month IRA Special
1.25%$500-48 Month IRA
0.95%$500-36 Month IRA
0.65%$500-24 Month IRA
0.65%$50k-24 Month IRA Special
0.50%$500-12 Month IRA
0.50%$50k-12 Month IRA Special
0.50%$500-18 Month IRA
0.26%$500-6 Month IRA

B.C.S. Community Credit Union Locations
Branch Office4203 Wadsworth BlvdWheat Ridge, CO 80033-4601