Boulder Valley Credit Union

Boulder Valley Credit Union is headquartered in Boulder and is the 10^st largest credit union in the state of Colorado. It is also the 681^st largest credit union in the nation. It was established in 1950 and as of March of 2013, it had grown to 65 employees and 21,110 members. Boulder Valley Credit Union has a 5-star health rating.

Boulder Valley Credit Union Routing Number: 307074535

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Data for Q1 2013

Institution Statistics BOULDER VALLEY NCUA # 62574 BankRate Report View Year Chartered 1950 Employees 65 Primary Regulator Assets and Liabilities Assets $299.66 million Loans $106.87 million Deposits $270.31 million Equity Capital $25.96 million Loan Loss Allowance $536,000 Unbacked Noncurrent Loans $109,000 Historic Data - March 2012 Assets $251.60 million Equity Capital $23.62 million Loan Loss Allowance $599,000 Unbacked Noncurrent Loans $458,000 Profit Margin - Quarterly Net Interest Margin 1.22% Return on Assets 0.91% Return on Equity 10.54% Interest Income $1.68 million Non-Interest Income $1.16 million

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 March 31, 2013 Boulder Valley Credit Union had $109,000 in non-current loans and owned real-estate with $26.49 million in equity and loan loss allowances on hand to cover it. This gives Boulder Valley Credit Union a Texas Ratio of 0.41% 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 Valley Credit Union decreased significantly from 1.89% as of March 31, 2012 to 0.41% as of March 31, 2013, resulting in a positive change of 78.24%.This indicates that the balance sheet and financial strength for Boulder Valley Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Boulder Valley Credit Union has increased its total deposits by $45.61 million, resulting in 20.3% 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 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 $299.66 million in assets with $26.49 million in equity, resulting in a capitalization level of 8.84%, which is average.

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