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Overview / Commentary
970-669-4747
746 Cleveland Ave
Loveland, CO 80537-4715

Big Thompson Credit Union is headquartered in Loveland and is the 64th largest credit union in the state of Colorado. It is also the 4,127th largest credit union in the nation. It was established in 1966 and as of March of 2014, it had grown to 2 employees and 1,815 members. Big Thompson Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to select employee groups (see Who Can Join page) and all community members of Southeast Loveland, who live, work, go to school, volunteer or worship within the boundaries of Hwy 34 on the north, County Rd 9 to the east, 14th St SE and the Farmers Ditch on the south, and Garfield/Railroad Ave on the west. Family members of current credit union members are also eligible for membership. - See Details

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Health

Data for Q1 2014

Institution Health

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

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 Big Thompson Credit Union had $64,000 in non-current loans and owned real-estate with $1.02 million in equity and loan loss allowances on hand to cover it. This gives Big Thompson Credit Union a Texas Ratio of 6.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Big Thompson Credit Union experienced no significant changes from 2.98% as of March 31, 2013 to 6.29% as of March 31, 2014, resulting in a negative change of 111.03%. This indicates that the balance sheet and financial strength for Big Thompson Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Big Thompson Credit Union has increased its total deposits by $728,000, resulting in 6.32% 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 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. Big Thompson Credit Union has $13.11 million in assets with $1.02 million in equity, resulting in a capitalization level of 7.76%, which is below average.

Institution Statistics

Overall
NCUA #17484
Year Chartered1966
Employees2
Primary Regulator
Assets and Liabilities
Assets$13.11 million
Loans$4.15 million
Deposits$12.26 million
Equity Capital$968,000
Loan Loss Allowance$49,000
Unbacked Noncurrent Loans$64,000
Real Estate Owned$0
Historic Data - March 2013
Assets$12.55 million
Equity Capital$930,000
Loan Loss Allowance$76,000
Unbacked Noncurrent Loans$64,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.7%
Return on Assets0%
Return on Equity0%
Interest Income$80,000
Rates
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Big Thompson Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25-IRA Shares
0.10%$25-Roth IRA Shares
0.10%$25-CESA 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

DetailsAPYMINMAXPRODUCT
0.10%$2,500-Money Market

Big Thompson Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.26%$500-60 Month Certificate
0.95%$500-48 Month Certificate
0.75%$500-36 Month Certificate
0.55%$500-24 Month Certificate
0.35%$500-18 Month Certificate
0.25%$200-12 Month Starter Certificate
0.25%$500-12 Month Certificate
0.15%$500-6 Month Certificate
0.10%$500-3 Month Certificate

Big Thompson Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.26%$500-60 Month IRA Certificate
0.95%$500-48 Month IRA Certificate
0.75%$500-36 Month IRA Certificate
0.55%$500-24 Month IRA Certificate
0.35%$500-18 Month IRA Certificate
0.25%$500-12 Month IRA Certificate
0.25%$200-12 Month Starter IRA Certificate
0.15%$500-6 Month IRA Certificate
0.10%$500-3 Month IRA Certificate
Locations


Big Thompson Credit Union Locations
Branch Office746 Cleveland AveLoveland, CO 805374715