Big Thompson Credit Union

Big Thompson Credit Union is headquartered in Loveland and is the 64^th largest credit union in the state of Colorado. It is also the 4,262^nd largest credit union in the nation. It was established in 1966 and as of March of 2013, it had grown to 3 employees and 1,822 members. Big Thompson Credit Union has a 4-star health rating.

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Data for Q1 2013

Institution Statistics BIG THOMPSON NCUA # 17484 BankRate Report View Year Chartered 1966 Employees 3 Primary Regulator Assets and Liabilities Assets $12.55 million Loans $4.95 million Deposits $11.53 million Equity Capital $930,000 Loan Loss Allowance $76,000 Unbacked Noncurrent Loans $30,000 Historic Data - March 2012 Assets $13.05 million Equity Capital $806,000 Loan Loss Allowance $198,000 Unbacked Noncurrent Loans $65,000 Profit Margin - Quarterly Net Interest Margin 1.5% Return on Assets 0.19% Return on Equity 2.58% Interest Income $88,000 Non-Interest Income $18,000

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 March 31, 2013 Big Thompson Credit Union had $30,000 in non-current loans and owned real-estate with $1.01 million in equity and loan loss allowances on hand to cover it. This gives Big Thompson Credit Union a Texas Ratio of 2.98% 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 6.47% as of March 31, 2012 to 2.98% as of March 31, 2013, resulting in a positive change of 53.94%.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 decreased its total deposits by $-650,000, resulting in -5.34% 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 poor. 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 $12.55 million in assets with $1.01 million in equity, resulting in a capitalization level of 8.02%, which is average.

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