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Overview / Commentary
303-279-6414
1120 Washington Ave
Golden, CO 80401-1184

Coors Credit Union is headquartered in Golden and is the 16st largest credit union in the state of Colorado. It is also the 1,033rd largest credit union in the nation. It was established in 1950 and as of March of 2014, it had grown to 50 employees and 15,593 members. Coors Credit Union's savings rates are 3X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must be an employee of MillerCoors Company (formerly known as Coors Brewing Company), CoorsTek, Graphic Packaging, subsidiary companies or joint ventures of each. Also open to those who live or work in Jefferson County. - See Details

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 Coors Credit Union had $390,000 in non-current loans and owned real-estate with $19.92 million in equity and loan loss allowances on hand to cover it. This gives Coors Credit Union a Texas Ratio of 1.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Coors Credit Union decreased dramatically from 3.39% as of March 31, 2013 to 1.96% as of March 31, 2014, resulting in a positive change of 42.25%.This indicates that the balance sheet and financial strength for Coors Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Coors Credit Union has increased its total deposits by $11.22 million, resulting in 7.73% 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 Coors Credit Union has shown is excellent.

Capitalization

GRADE:
A

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. Coors Credit Union has $176.73 million in assets with $19.92 million in equity, resulting in a capitalization level of 11.27%, which is excellent.

Institution Statistics

Overall
NCUA #64913
Year Chartered1950
Employees50
Primary Regulator
Assets and Liabilities
Assets$176.73 million
Loans$113.58 million
Deposits$156.34 million
Equity Capital$19.42 million
Loan Loss Allowance$508,000
Unbacked Noncurrent Loans$390,000
Real Estate Owned$0
Historic Data - March 2013
Assets$164.80 million
Equity Capital$17.98 million
Loan Loss Allowance$816,000
Unbacked Noncurrent Loans$390,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.26%
Return on Assets0.73%
Return on Equity6.67%
Interest Income$1.62 million
Rates
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Coors Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.35%$25$3kBuild a Dream Savings Club
1.35%$25$3kLearn to Earn Savings Club
0.15%$25-Share Account
0.15%--You Name It Share Savings
0.15%--Holiday Share Savings
0.15%$25-Brewster Share

Coors Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%$100k-IRA Money Market
0.45%$100k-Roth IRA Money Market
0.45%$100k-CESA Money Market
0.40%$100k-Basic Money Market
0.40%$50k-Big Dog Market
0.40%$50k-Golden IRA Money Market
0.40%$50k-Golden Roth IRA Money Market
0.40%$50k-Golden CESA Money Market

Coors Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.55%$50k-60 Month Jumbo Share Certificate
1.50%$500-60 Month Share Certificate
1.30%$50k-48 Month Jumbo Share Certificate
1.25%$500-48 Month Share Certifcate
1.00%$50k-36 Month Jumbo Share Certificate
0.95%$500-36 Month Share Certifcate
0.70%$50k-24 Month Jumbo Share Certificate
0.65%$500-24 Month Share Certificate
0.40%$50k-12 Month Jumbo Share Certificate
0.35%$500-12 Month Share Certificate
0.35%$25-12 Month Youth Certificate
0.30%$50k-6 Month Jumbo Share Certificate
0.25%$500-6 Month Share Certificate
0.20%$50k-3 Month Jumbo Share Certificate
0.15%$500-3 Month Share Certificate

Coors Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.55%$50k-60 Month Jumbo IRA Share Certificate
1.50%$500$50k60 Month IRA Share Certificate
1.30%$50k-48 Month Jumbo IRA Share Certificate
1.25%$500$50k48 Month IRA Share Certificate
1.00%$50k-36 Month Jumbo IRA Share Certificate
0.95%$500$50k36 Month IRA Share Certificate
0.70%$50k-24 Month Jumbo IRA Share Certificate
0.65%$500$50k24 Month IRA Share Certificate
0.40%$50k-12 Month Jumbo IRA Share Certificate
0.35%$500$50k12 Month IRA Share Certificate
0.30%$50k-6 Month Jumbo IRA Share Certificate
0.25%$500$50k6 Month IRA Share Certificate
0.20%$50k-3 Month Jumbo IRA Share Certificate
0.15%$500$50k3 Month IRA Share Certificate
Locations


Coors Credit Union Locations
Branch Office816 Washington AveGolden, CO 80401
Branch Office7721 Wadsworth Blvd Unit AArvada, CO 80003-2145