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Overview / Commentary
2305 E Arapahoe Rd Ste 234
Centennial, CO 80122

Columbine Credit Union is headquartered in Centennial and is the 43rd largest credit union in the state of Colorado. It is also the 2,281st largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 12 employees and 3,987 members. Columbine Credit Union's savings rates are 15% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of one of the several select employee groups (SEGs). - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Columbine Credit Union has a relatively low asset base.

Texas Ratio


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 Columbine Credit Union had $150,000 in non-current loans and owned real-estate with $4.8 million in equity and loan loss allowances on hand to cover it. This gives Columbine Credit Union a Texas Ratio of 3.12% 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 Columbine Credit Union experienced no significant changes from 2.78% as of March 31, 2013 to 3.12% as of March 31, 2014, resulting in a negative change of 12.39%. This indicates that the balance sheet and financial strength for Columbine Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Columbine Credit Union has increased its total deposits by $902,000, resulting in 2% 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 Columbine Credit Union has shown is above average.



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. Columbine Credit Union has $50.73 million in assets with $4.8 million in equity, resulting in a capitalization level of 9.46%, which is average.

Institution Statistics

NCUA #11548
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$50.73 million
Loans$25.30 million
Deposits$46.10 million
Equity Capital$4.49 million
Loan Loss Allowance$308,000
Unbacked Noncurrent Loans$150,000
Real Estate Owned$0
Historic Data - March 2013
Assets$49.79 million
Equity Capital$4.59 million
Loan Loss Allowance$374,000
Unbacked Noncurrent Loans$150,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.26%
Return on Equity2.94%
Interest Income$437,000
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Columbine Credit Union Savings Account Rates

0.60%$100-IRA Share Account
0.60%--Holiday Savings Club Account
0.60%$100-Roth IRA Share Account
0.60%$100-Educational IRA Share Account
0.05%$50-Regular Share Savings Account

Columbine Credit Union Money Market Rates

0.25%$50k-Money Market Account

Columbine Credit Union CD Rates

1.70%$50k-5 Year Jumbo Share Certificate
1.60%$1k$50k5 Year Share Certificate
1.40%$50k-4 Year Jumbo Share Certificate
1.30%$1k$50k4 Year Share Certificate
1.10%$50k-3 Year Jumbo Share Certificate
1.00%$1k$50k3 Year Share Certificate
0.95%$50k-2 Year Jumbo Share Certificate
0.85%$1k$50k2 Year Share Certificate
0.55%$50k-1 Year Jumbo Share Certificate
0.45%$1k$50k1 Year Share Certificate
0.35%$1k$50k6 Month Share Certificate

Columbine Credit Union IRA Rates

1.70%$50k-5 Year IRA Certificate
1.40%$50k-4 Year IRA Certificate
1.10%$50k-3 Year IRA Certificate
0.95%$50k-2 Year IRA Certificate
0.55%$50k-1 Year IRA Certificate

Columbine Credit Union Locations
Branch Office7800 E Union Ave Ste 110Denver, CO 80237
Branch Office2305 E Arapahoe Rd Ste 234Centennial, CO 80122