Coloramo Credit Union

516 28 Road
Grand Junction, CO 81501
1-800-285-6490
www.coloramo.org

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Coloramo Credit Union is headquartered in GRAND JUNCTION and is the 36^th largest credit union in the state of Colorado. It is also the 1,885^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 30 employees and 8,058 members. Coloramo Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Coloramo Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.01%	$1k	-	Share Draft

Coloramo Credit Union Savings Account Rates

Apy	Min	Max	Product
0.18%	-	-	Christmas Club
0.10%	-	-	Variable IRA Share
0.10%	-	-	Variable Roth IRA Share
0.10%	-	-	Variable CESA Share
0.08%	$25	-	Primary Share
0.08%	-	-	Secondary Share

Coloramo Credit Union Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	Premier Money Management
0.30%	$100k	-	Money Management

Coloramo Credit Union CD Rates

Apy	Min	Max	Product
1.65%	$500	-	60 Month Minor Time Certificate
1.65%	$1k	-	60 Month Time Certificate
1.30%	$500	-	48 Month Minor Time Certificate
1.30%	$1k	-	48 Month Time Certificate
0.95%	$500	-	36 Month Minor Time Certificate
0.95%	$1k	-	36 Month Time Certificate
0.60%	$1k	-	24 Month Time Certificate
0.60%	$500	-	24 Month Minor Time Certificate
0.50%	$1k	-	18 Month Time Certificate
0.50%	$500	-	18 Month Minor Time Certificate
0.40%	$1k	-	12 Month Time Certificate
0.40%	$500	-	12 Month Minor Time Certificate
0.20%	$1k	-	6 Month Time Certificate
0.20%	$500	-	6 Month Minor Time Certificate
0.15%	$1k	-	3 Month Time Certificate
0.15%	$500	-	3 Month Minor Time Certificate

Coloramo Credit Union IRA Rates

Apy	Min	Max	Product
1.65%	$1k	-	60 Month CESA Certificate
1.65%	$1k	-	60 Month IRA Certificate
1.65%	$500	-	60 Month Minor CESA Certificate
1.65%	$500	-	60 Month Minor IRA Certificate
1.65%	$500	-	60 Month Minor Roth IRA Certificate
1.65%	$1k	-	60 Month Roth IRA Certificate
1.30%	$1k	-	48 Month CESA Certificate
1.30%	$1k	-	48 Month IRA Certificate
1.30%	$500	-	48 Month Minor CESA Certificate
1.30%	$500	-	48 Month Minor IRA Certificate
1.30%	$500	-	48 Month Minor Roth IRA Certificate
1.30%	$1k	-	48 Month Roth IRA Certificate
0.95%	$1k	-	36 Month CESA Certificate
0.95%	$1k	-	36 Month IRA Certificate
0.95%	$500	-	36 Month Minor CESA Certificate
0.95%	$500	-	36 Month Minor IRA Certificate
0.95%	$500	-	36 Month Minor Roth IRA Certificate
0.95%	$1k	-	36 Month Roth IRA Certificate
0.60%	$1k	-	24 Month IRA Certificate
0.60%	$1k	-	24 Month Roth IRA Certificate
0.60%	$500	-	24 Month Minor IRA Certificate
0.60%	$500	-	24 Month Minor Roth IRA Certificate
0.60%	$500	-	24 Month Minor CESA Certificate
0.60%	$1k	-	24 Month CESA Certificate
0.50%	$1k	-	18 Month IRA Certificate
0.50%	$1k	-	18 Month Roth IRA Certificate
0.50%	$500	-	18 Month Minor IRA Certificate
0.50%	$500	-	18 Month Minor Roth IRA Certificate
0.50%	$500	-	18 Month Minor CESA Certificate
0.50%	$1k	-	18 Month CESA Certificate
0.40%	$1k	-	12 Month IRA Certificate
0.40%	$1k	-	12 Month Roth IRA Certificate
0.40%	$500	-	12 Month Minor IRA Certificate
0.40%	$500	-	12 Month Minor Roth IRA Certificate
0.40%	$500	-	12 Month Minor CESA Certificate
0.40%	$1k	-	12 Month CESA Certificate
0.20%	$1k	-	6 Month IRA Certificate
0.20%	$1k	-	6 Month Roth IRA Certificate
0.20%	$500	-	6 Month Minor IRA Certificate
0.20%	$500	-	6 Month Minor Roth IRA Certificate
0.20%	$500	-	6 Month Minor CESA Certificate
0.20%	$1k	-	6 Month CESA Certificate
0.15%	$1k	-	3 Month IRA Certificate
0.15%	$1k	-	3 Month Roth IRA Certificate
0.15%	$500	-	3 Month Minor IRA Certificate
0.15%	$500	-	3 Month Minor Roth IRA Certificate
0.15%	$500	-	3 Month Minor CESA Certificate
0.15%	$1k	-	3 Month CESA Certificate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

COLORAMO
NCUA #	8725
BankRate Report	View
Year Chartered	1953
Employees	30
Primary Regulator
Assets and Liabilities
Assets	$66.37 million
Loans	$24.96 million
Deposits	$57.17 million
Equity Capital	$8.76 million
Loan Loss Allowance	$376,000
Unbacked Noncurrent Loans	$368,000
Historic Data - December 2010
Assets	$61.34 million
Equity Capital	$8.68 million
Loan Loss Allowance	$421,000
Unbacked Noncurrent Loans	$406,000
Profit Margin - Quarterly
Net Interest Margin	6.97%
Return on Assets	0.13%
Return on Equity	0.99%
Interest Income	$2.28 million
Non-Interest Income	$745,000

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 Coloramo Credit Union had $368,000 in non-current loans and owned real-estate with $9.14 million in equity and loan loss allowances on hand to cover it. This gives Coloramo Credit Union a Texas Ratio of 4.03% 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 Coloramo Credit Union held steady from 4.46% as of December 31, 2010 to 4.03% as of December 31, 2011, resulting in a positive change of 9.78%.This indicates that the balance sheet and financial strength for Coloramo Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Coloramo Credit Union has increased its total deposits by $4.78 million, resulting in 9.12% 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 Coloramo 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. Coloramo Credit Union has $66.37 million in assets with $9.14 million in equity, resulting in a capitalization level of 13.77%, which is excellent.

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