Big Thompson Credit Union

746 N Cleveland Ave
Loveland, CO 80537
(970) 669-4747
www.bigthompsonfcu.org

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Big Thompson Credit Union is headquartered in LOVELAND and is the 65^th largest credit union in the state of Colorado. It is also the 4,222^nd largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 2 employees and 1,824 members. Big Thompson Credit Union has a 4-star health rating.

3.04% 5-Year CD & IRA CD At Big Thompson FCU In Colorado - Local Only (Forum) - 12/5/2010

Big Thompson Federal Credit union has some competitive long-term CD and IRA CDs as of 12/05/2010: 3.04% APY 5-year 2.50% APY 4-year 2.00% APY 3-year Minimum deposit is $500, and the early withdrawal penalty is 120 days of interest. Unfortunately,

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

Big Thompson Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$25	-	IRA Shares
0.05%	$25	-	Regular Shares
0.05%	-	-	Special Shares
0.05%	-	-	Christmas Shares
0.05%	-	-	Life Savings

Big Thompson Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.10%	$2,500	-	Money Market

Big Thompson Credit Union CD Rates

Apy	Min	Max	Product
1.76%	$500	-	60 Month CD
1.26%	$500	-	48 Month CD
0.95%	$500	-	36 Month CD
0.75%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.45%	$200	-	12 Month Starter CD
0.45%	$500	-	12 Month CD
0.25%	$500	-	6 Month CD
0.15%	$500	-	3 Month CD

Big Thompson Credit Union IRA Rates

Apy	Min	Max	Product
1.76%	$500	-	60 Month IRA
1.76%	$500	-	60 Month Roth IRA
1.76%	$500	-	60 Month CESA
1.26%	$500	-	48 Month IRA
1.26%	$500	-	48 Month Roth IRA
1.26%	$500	-	48 Month CESA
0.95%	$500	-	36 Month IRA
0.95%	$500	-	36 Month Roth IRA
0.95%	$500	-	36 Month CESA
0.75%	$500	-	24 Month IRA
0.75%	$500	-	24 Month Roth IRA
0.75%	$500	-	24 Month CESA
0.50%	$500	-	18 Month IRA
0.50%	$500	-	18 Month Roth IRA
0.50%	$500	-	18 Month CESA
0.45%	$500	-	12 Month IRA
0.45%	$200	-	12 Month Starter IRA
0.45%	$500	-	12 Month Roth IRA
0.45%	$200	-	12 Month Starter Roth IRA
0.45%	$500	-	12 Month CESA
0.45%	$200	-	12 Month Starter CESA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	6 Month Roth IRA
0.25%	$500	-	6 Month CESA
0.15%	$500	-	3 Month IRA
0.15%	$500	-	3 Month Roth IRA
0.15%	$500	-	3 Month CESA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BIG THOMPSON
NCUA #	17484
BankRate Report	View
Year Chartered	1966
Employees	2
Primary Regulator
Assets and Liabilities
Assets	$12.91 million
Loans	$5.61 million
Deposits	$12.08 million
Equity Capital	$778,000
Loan Loss Allowance	$195,000
Unbacked Noncurrent Loans	$55,000
Historic Data - December 2010
Assets	$13.05 million
Equity Capital	$940,000
Loan Loss Allowance	$172,000
Unbacked Noncurrent Loans	$268,000
Profit Margin - Quarterly
Net Interest Margin	6.99%
Return on Assets	-1.24%
Return on Equity	-20.57%
Interest Income	$462,000
Non-Interest Income	$86,000

Institution Health

Overall Score:

4 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 Big Thompson Credit Union had $55,000 in non-current loans and owned real-estate with $973,000 in equity and loan loss allowances on hand to cover it. This gives Big Thompson Credit Union a Texas Ratio of 5.65% 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 Big Thompson Credit Union decreased significantly from 24.10% as of December 31, 2010 to 5.65% as of December 31, 2011, resulting in a positive change of 76.55%.This indicates that the balance sheet and financial strength for Big Thompson Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Big Thompson Credit Union has increased its total deposits by $9,000, resulting in 0.07% 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 Big Thompson Credit Union has shown is average.
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. Big Thompson Credit Union has $12.91 million in assets with $973,000 in equity, resulting in a capitalization level of 7.53%, which is below average.