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877-417-1825
5505 Arapahoe Ave
Boulder, CO 80303

Boulder Valley Credit Union is headquartered in Boulder and is the 10st largest credit union in the state of Colorado. It is also the 666th largest credit union in the nation. It was established in 1950 and as of March of 2014, it had grown to 72 employees and 22,192 members. Boulder Valley Credit Union has a A health rating.

Field of Membership Restrictions

Must be a student, faculty or staff of the Boulder Valley School District. Also open to those who work in Boulder County or Estes Park. - See Details

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Health

Data for Q1 2014

Institution Health

A

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 Boulder Valley Credit Union had $701,000 in non-current loans and owned real-estate with $26.14 million in equity and loan loss allowances on hand to cover it. This gives Boulder Valley Credit Union a Texas Ratio of 2.68% 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 Boulder Valley Credit Union experienced no significant changes from 0.41% as of March 31, 2013 to 2.68% as of March 31, 2014, resulting in a negative change of 551.85%. This indicates that the balance sheet and financial strength for Boulder Valley Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Boulder Valley Credit Union has increased its total deposits by $22.42 million, resulting in 8.29% 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 Valley 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. Boulder Valley Credit Union has $321.47 million in assets with $26.14 million in equity, resulting in a capitalization level of 8.13%, which is average.

Institution Statistics

Overall
NCUA #62574
Year Chartered1950
Employees72
Primary Regulator
Assets and Liabilities
Assets$321.47 million
Loans$127.10 million
Deposits$292.73 million
Equity Capital$25.61 million
Loan Loss Allowance$526,000
Unbacked Noncurrent Loans$701,000
Real Estate Owned$0
Historic Data - March 2013
Assets$299.66 million
Equity Capital$25.96 million
Loan Loss Allowance$536,000
Unbacked Noncurrent Loans$701,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.21%
Return on Equity2.69%
Interest Income$1.72 million
Rates
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Boulder Valley Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$100-Share Savings Account
0.05%--Holiday Club Account
0.05%$100-Y.E.S Account
0.05%--Rags To Riches Club Account
0.05%--IRA Share Account

Boulder Valley Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Money Market Account

Boulder Valley Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.45%$100k-60 Month Share Certificate
1.20%$100k-48 Month Share Certificate
1.00%$100k-36 Month Share Certificate
0.85%$100k-30 Month Share Certificate
0.75%$100k-24 Month Share Certificate
0.65%$100k-18 Month Share Certificate
0.60%$100k-12 Month Youth Share Certificate
0.60%$100k-12 Month Share Certificate
0.30%$100k-6 Month Share Certificate
0.20%$100k-3 Month Share Certificate

Boulder Valley Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.45%$100k-60 Month IRA Certificate
1.20%$100k-48 Month IRA Certificate
1.00%$100k-36 Month IRA Certificate
0.85%$100k-30 Month IRA Certificate
0.75%$100k-24 Month IRA Certificate
0.65%$100k-18 Month IRA Certificate
0.60%$100k-12 Month IRA Certificate
0.30%$100k-6 Month IRA Certificate
0.20%$100k-3 Month IRA Certificate
Locations


Boulder Valley Credit Union Locations
Branch Office1515 Greenbriar BlvdBoulder, CO 80305
Branch Office4895 Riverbend Rd Ste EBoulder, CO 80301-2640
Branch Office10300 E South Boulder RdLafayette, CO 80026
Branch Office1604 Arapahoe AveBoulder, CO 80302
Branch Office2667 Broadway StBoulder, CO 80304-3541
Branch Office453 E Wonder View AveEstes Park, CO 80517-9647
Branch Office800 Coal Creek CirLouisville, CO 80027-9750
Branch Office5505 Arapahoe AveBoulder, CO 80303
Branch Office329 Campus DrLouisville, CO 80027