Boulder Municipal Employees Credit Union

Boulder Municipal Employees Credit Union is headquartered in BOULDER and is the 38^th largest credit union in the state of Colorado. It is also the 2,090^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 15 employees and 6,896 members. Boulder Municipal Employees Credit Union has a 5-star health rating.

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Boulder Municipal Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics BOULDER MUNICIPAL EMPLOYEES NCUA # 16710 BankRate Report View Year Chartered 1965 Employees 15 Primary Regulator Assets and Liabilities Assets $56.27 million Loans $32.36 million Deposits $51.54 million Equity Capital $4.50 million Loan Loss Allowance $426,000 Unbacked Noncurrent Loans $232,000 Historic Data - December 2010 Assets $56.25 million Equity Capital $4.16 million Loan Loss Allowance $414,000 Unbacked Noncurrent Loans $503,000 Real Estate Owned $29,000 Profit Margin - Quarterly Net Interest Margin 5.36% Return on Assets 0.6% Return on Equity 7.51% Interest Income $2.03 million Non-Interest Income $781,000

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 Boulder Municipal Employees Credit Union had $232,000 in non-current loans and owned real-estate with $4.92 million in equity and loan loss allowances on hand to cover it. This gives Boulder Municipal Employees Credit Union a Texas Ratio of 4.71% 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 Boulder Municipal Employees Credit Union decreased significantly from 11.63% as of December 31, 2010 to 4.71% as of December 31, 2011, resulting in a positive change of 59.49%.This indicates that the balance sheet and financial strength for Boulder Municipal Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Boulder Municipal Employees Credit Union has decreased its total deposits by $-409,000, resulting in -0.79% 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 Boulder Municipal Employees 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. Boulder Municipal Employees Credit Union has $56.27 million in assets with $4.92 million in equity, resulting in a capitalization level of 8.75%, which is average.

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