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Overview / Commentary
6921 E 72nd Ave
Commerce City, CO 80022-2105

Community Choice CU (CO) is headquartered in Commerce City and is the 49th largest credit union in the state of Colorado. It is also the 2,617st largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 10 employees and 4,724 members. Community Choice CU (CO) has a B+ health rating.

Field of Membership Restrictions

Must be employed by a member of the Commerce City Business and Professional Association or be an employee of a health care institution in the counties of Adams, Arapahoe, Boulder, Denver, Douglas or Jefferson. Also open to anyone who live, work or worship in Montbello or Commerce City. - 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. Community Choice CU (CO) has a 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 Community Choice CU (CO) had $342,000 in non-current loans and owned real-estate with $5.18 million in equity and loan loss allowances on hand to cover it. This gives Community Choice CU (CO) a Texas Ratio of 6.61% 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 Community Choice CU (CO) experienced no significant changes from 3.15% as of March 31, 2013 to 6.61% as of March 31, 2014, resulting in a negative change of 109.95%. This indicates that the balance sheet and financial strength for Community Choice CU (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Choice CU (CO) has increased its total deposits by $643,000, resulting in 1.93% 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 Community Choice CU (CO) 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. Community Choice CU (CO) has $39.3 million in assets with $5.18 million in equity, resulting in a capitalization level of 13.17%, which is excellent.

Institution Statistics

NCUA #66012
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$39.30 million
Loans$18.77 million
Deposits$33.97 million
Equity Capital$4.75 million
Loan Loss Allowance$429,000
Unbacked Noncurrent Loans$342,000
Real Estate Owned$0
Historic Data - March 2013
Assets$37.50 million
Equity Capital$4.23 million
Loan Loss Allowance$279,000
Unbacked Noncurrent Loans$342,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.74%
Return on Assets1.07%
Return on Equity8.85%
Interest Income$394,000
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Community Choice CU (CO) Savings Account Rates

0.05%$100-Regular Share Savings Account
0.05%$100-IRA Share Savings Account
0.05%$100-Roth IRA Share Savings Account
0.05%$100-Club Share Account

Community Choice CU (CO) Money Market Rates

0.10%$2,500-High Yield Money Market Share Savings
0.10%$2,500-High Yield Money Market Checking

Community Choice CU (CO) CD Rates

1.26%$500-60 Month Share Certificate
1.01%$500-48 Month Share Certificate
0.80%$500-36 Month Share Certificate
0.55%$500-24 Month Share Certificate
0.45%$500-18 Month Share Certificate
0.35%$500-12 Month Share Certificate
0.25%$500-9 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

Community Choice CU (CO) IRA Rates

1.26%$500-60 Month IRA Certificate
1.01%$500-48 Month IRA Certificate
0.80%$500-36 Month IRA Certificate
0.55%$500-24 Month IRA Certificate
0.45%$500-18 Month IRA Certificate
0.35%$500-12 Month IRA Certificate
0.25%$500-9 Month IRA Certificate
0.20%$500-6 Month IRA Certificate
0.15%$500-3 Month IRA Certificate

Community Choice CU (CO) Locations
Branch Office6921 E 72nd AveCommerce City, CO 80022-2105