Bellco CU (CO)

7600 E Orchard Road
Greenwood Villa, CO 80111
1-800-BELLCO1 (235-5261)
www.bellco.org

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Bellco CU (CO) is headquartered in Greenwood Villa and is the 2^nd largest credit union in the state of Colorado. It is also the 59^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 374 employees and 198,302 members. Bellco CU (CO) has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Bellco CU (CO) Checking Account Rates

	Apy	Min	Max	Product
	0.20%	$50k	-	Platinum Checking Account

Bellco CU (CO) Savings Account Rates

Apy	Min	Max	Product
1.20%	-	$500	Youth Savings Account
0.40%	$100k	-	IRA Account
0.40%	$100k	-	Roth IRA Account
0.40%	$100k	-	Coverdell Education Savings Account
0.30%	$25k	-	HSA Checking Account
0.05%	$25	-	Savings Account
0.05%	-	-	Christmas Club Account
0.05%	-	-	Surprise Savings Account
0.05%	$100	-	Basic Business Savings Account

Bellco CU (CO) Money Market Rates

Apy	Min	Max	Product
0.40%	$250k	-	Premier Money Market Account
0.40%	$250k	-	Business Premier Money Market Account
0.35%	$100k	-	Business Money Market Account
0.20%	$25k	-	Member Money Market Account

Bellco CU (CO) CD Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month CD
1.50%	$500	-	Business Regular CD 60 months
0.90%	$500	-	36 Month CD
0.90%	$500	-	Business Regular CD 36 months
0.75%	$2,500	-	36 Month Smart Move CD
0.60%	$2,500	-	30 Month Smart Move CD
0.60%	$100k	-	12 Month Jumbo CD
0.55%	$500	-	24 Month CD
0.55%	$500	-	Business Regular CD 24 months
0.50%	$2,500	-	24 Month Smart Move CD
0.45%	$2,500	-	18 Month Smart Move CD
0.40%	$500	-	12 Month CD
0.40%	$50	-	12 Month Youth CD
0.40%	$500	-	Business Regular CD 12 months
0.35%	$100k	-	6 Month Jumbo CD
0.25%	$500	-	6 Month CD
0.25%	$500	-	Business Regular CD 6 months
0.15%	$500	-	3 Month CD
0.15%	$500	-	Business Regular CD 3 months

Bellco CU (CO) IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA
1.50%	$500	-	60 Month Roth IRA
1.50%	$500	-	60 Month Coverdell ESA
1.50%	$500	-	60 Month HSA CD
0.90%	$500	-	36 Month IRA
0.90%	$500	-	36 Month Roth IRA
0.90%	$500	-	36 Month Coverdell ESA
0.90%	$500	-	36 Month HSA CD
0.60%	$100k	-	12 Month Jumbo IRA
0.60%	$100k	-	12 Month Jumbo Roth IRA
0.60%	$100k	-	12 Month Jumbo Coverdell ESA
0.55%	$500	-	24 Month IRA
0.55%	$500	-	24 Month Roth IRA
0.55%	$500	-	24 Month Coverdell ESA
0.55%	$500	-	24 Month HSA CD
0.40%	$500	-	12 Month IRA
0.40%	$500	-	12 Month Roth IRA
0.40%	$500	-	12 Month Coverdell ESA
0.40%	$500	-	12 Month HSA CD
0.35%	$100k	-	6 Month Jumbo IRA
0.35%	$100k	-	6 Month Jumbo Roth IRA
0.35%	$100k	-	6 Month Jumbo Coverdell ESA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	6 Month Roth IRA
0.25%	$500	-	6 Month Coverdell ESA
0.15%	$500	-	3 Month IRA
0.15%	$500	-	3 Month Roth IRA
0.15%	$500	-	3 Month Coverdell ESA

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

BELLCO
NCUA #	68437
BankRate Report	View
Year Chartered	1936
Employees	374
Primary Regulator
Assets and Liabilities
Assets	$2.07 billion
Loans	$1.54 billion
Deposits	$1.80 billion
Equity Capital	$225.59 million
Loan Loss Allowance	$30.66 million
Unbacked Noncurrent Loans	$20.25 million
Real Estate Owned	$524,000
Historic Data - December 2010
Assets	$1.91 billion
Equity Capital	$197.96 million
Loan Loss Allowance	$36.22 million
Unbacked Noncurrent Loans	$22.59 million
Real Estate Owned	$1.63 million
Profit Margin - Quarterly
Net Interest Margin	5.76%
Return on Assets	1.28%
Return on Equity	11.73%
Interest Income	$94.48 million
Non-Interest Income	$23.93 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bellco CU (CO) had $20.77 million in non-current loans and owned real-estate with $256.25 million in equity and loan loss allowances on hand to cover it. This gives Bellco CU (CO) a Texas Ratio of 8.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bellco CU (CO) decreased slightly from 10.34% as of December 31, 2010 to 8.11% as of December 31, 2011, resulting in a positive change of 21.63%.This indicates that the balance sheet and financial strength for Bellco CU (CO) has improved slightly in recent periods.
Deposit Growth
In the past year, Bellco CU (CO) has increased its total deposits by $118.8 million, resulting in 7.09% 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 Bellco CU (CO) has shown is excellent.
Capitalization
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. Bellco CU (CO) has $2.07 billion in assets with $256.25 million in equity, resulting in a capitalization level of 12.38%, which is excellent.

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