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Overview / Commentary
113 Cedar St
Julesburg, CO 80737

Co-Ne Credit Union is headquartered in Julesburg and is the 85th largest credit union in the state of Colorado. It is also the 5,547th largest credit union in the nation. It was established in 1966 and as of March of 2014, it had grown to 2 employees and 1,450 members. Co-Ne Credit Union has a C health rating.

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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. Co-Ne Credit Union has a very 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 Co-Ne Credit Union had $57,000 in non-current loans and owned real-estate with $508,000 in equity and loan loss allowances on hand to cover it. This gives Co-Ne Credit Union a Texas Ratio of 11.22% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Co-Ne Credit Union decreased slightly from 15.98% as of March 31, 2013 to 11.22% as of March 31, 2014, resulting in a positive change of 29.80%.This indicates that the balance sheet and financial strength for Co-Ne Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Co-Ne Credit Union has decreased its total deposits by $-122,000, resulting in -3.72% 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 Co-Ne Credit Union has shown is below 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. Co-Ne Credit Union has $3.64 million in assets with $508,000 in equity, resulting in a capitalization level of 13.96%, which is excellent.

Institution Statistics

NCUA #17250
Year Chartered1966
Primary Regulator
Assets and Liabilities
Assets$3.64 million
Loans$2.49 million
Deposits$3.15 million
Equity Capital$472,000
Loan Loss Allowance$36,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Historic Data - March 2013
Assets$3.71 million
Equity Capital$420,000
Loan Loss Allowance$43,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.88%
Return on Assets1.32%
Return on Equity10.17%
Interest Income$52,000

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Co-Ne Credit Union Locations
Branch Office113 Cedar StJulesburg, CO 80737
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