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Overview / Commentary
6855 W 119th Ave
Broomfield, CO 80020

Community Financial CU (CO) is headquartered in Broomfield and is the 20th largest credit union in the state of Colorado. It is also the 1,152nd largest credit union in the nation. It was established in 1968 and as of March of 2014, it had grown to 33 employees and 11,906 members. Community Financial CU (CO) has a A+ health rating.

Field of Membership Restrictions

Must live in Broomfield, Superior, Westminster, Louisville or Lafayette. - See Details

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Data for Q1 2014

Institution Health


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 Financial CU (CO) had $214,000 in non-current loans and owned real-estate with $20.42 million in equity and loan loss allowances on hand to cover it. This gives Community Financial CU (CO) a Texas Ratio of 1.05% 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 Financial CU (CO) decreased dramatically from 1.93% as of March 31, 2013 to 1.05% as of March 31, 2014, resulting in a positive change of 45.75%.This indicates that the balance sheet and financial strength for Community Financial CU (CO) has improved dramatically in recent periods.

Deposit Growth


In the past year, Community Financial CU (CO) has increased its total deposits by $7.03 million, resulting in 5.75% 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 Financial CU (CO) has shown is excellent.



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 Financial CU (CO) has $150.06 million in assets with $20.42 million in equity, resulting in a capitalization level of 13.61%, which is excellent.

Institution Statistics

NCUA #68550
Year Chartered1968
Primary Regulator
Assets and Liabilities
Assets$150.06 million
Loans$117.35 million
Deposits$129.30 million
Equity Capital$19.45 million
Loan Loss Allowance$970,000
Unbacked Noncurrent Loans$214,000
Real Estate Owned$0
Historic Data - March 2013
Assets$142.07 million
Equity Capital$18.22 million
Loan Loss Allowance$1.09 million
Unbacked Noncurrent Loans$214,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.06%
Return on Assets1.37%
Return on Equity10.57%
Interest Income$1.33 million
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Community Financial CU (CO) Savings Account Rates

0.05%--Share Savings
0.05%--IRA Savings
0.05%--Business Share Savings
0.05%--Roth IRA Savings
0.05%--Coverdell Education Savings

Community Financial CU (CO) Money Market Rates

0.40%$75k-Money Manager Account

Community Financial CU (CO) CD Rates

1.51%$2k-5 Year Platinum Member Certificate
1.26%$2k-5 Year Gold Member Certificate
1.00%$2k-5 Year Certificate
0.95%$2k-2 Year Platinum Member Certificate
0.75%$2k-1 Year Platinum Member Certificate
0.75%$100-1 Year Grow As You Go Platinum Member Certificate
0.70%$2k-2 Year Gold Member Certificate
0.65%$2k-6 Month Platinum Member Certificate
0.50%$100-1 Year Grow As You Go Gold Member Certificate
0.50%$2k-1 Year Gold Member Certificate
0.45%$2k-2 Year Certificate
0.40%$2k-6 Month Gold Member Certificate
0.25%$2k-1 Year Certificate
0.25%$100-1 Year Grow As You Go Certificate
0.15%$2k-6 Month Certificate

Community Financial CU (CO) Locations
Branch Office6850 W 119th AveBroomfield, CO 80020
Branch Office6855 W 119th AveBroomfield, CO 80020