Community Financial CU (CO)

Community Financial CU (CO) is headquartered in Broomfield and is the 20^th largest credit union in the state of Colorado. It is also the 1,213^st largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 29 employees and 11,712 members. Community Financial CU (CO) has a 5-star health rating.

Community Financial CU (CO) Savings Account Rates

Community Financial CU (CO) Money Market Rates

Community Financial CU (CO) CD Rates

Data for Q4 2011

Institution Statistics COMMUNITY FINANCIAL NCUA # 68550 BankRate Report View Year Chartered 1968 Employees 29 Primary Regulator Assets and Liabilities Assets $126.07 million Loans $81.89 million Deposits $108.22 million Equity Capital $16.48 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $1.14 million Historic Data - December 2010 Assets $118.21 million Equity Capital $15.40 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $1.29 million Profit Margin - Quarterly Net Interest Margin 6.04% Return on Assets 0.75% Return on Equity 5.73% Interest Income $5.56 million Non-Interest Income $1.86 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 December 31, 2011 Community Financial CU (CO) had $1.14 million in non-current loans and owned real-estate with $17.71 million in equity and loan loss allowances on hand to cover it. This gives Community Financial CU (CO) a Texas Ratio of 6.46% 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 slightly from 7.74% as of December 31, 2010 to 6.46% as of December 31, 2011, resulting in a positive change of 16.56%.This indicates that the balance sheet and financial strength for Community Financial CU (CO) has improved slightly in recent periods. Deposit Growth In the past year, Community Financial CU (CO) has increased its total deposits by $6.7 million, resulting in 6.6% 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. 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. Community Financial CU (CO) has $126.07 million in assets with $17.71 million in equity, resulting in a capitalization level of 14.05%, which is excellent.

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