Credit Union Of Colorado

Credit Union Of Colorado is headquartered in DENVER and is the 6^th largest credit union in the state of Colorado. It is also the 186^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 232 employees and 90,783 members. Credit Union Of Colorado has a 5-star health rating.

Credit Union Of Colorado Routing Number: 302075128

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Data for Q4 2011

Institution Statistics CREDIT UNION OF COLORADO NCUA # 64588 BankRate Report View Year Chartered 1934 Employees 232 Primary Regulator Assets and Liabilities Assets $988.60 million Loans $534.70 million Deposits $857.75 million Equity Capital $120.19 million Loan Loss Allowance $5.57 million Unbacked Noncurrent Loans $3.26 million Real Estate Owned $212,000 Historic Data - December 2010 Assets $945.53 million Equity Capital $112.98 million Loan Loss Allowance $8.12 million Unbacked Noncurrent Loans $3.69 million Profit Margin - Quarterly Net Interest Margin 5.49% Return on Assets 0.82% Return on Equity 6.78% Interest Income $34.26 million Non-Interest Income $14.49 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 Credit Union Of Colorado had $3.47 million in non-current loans and owned real-estate with $125.76 million in equity and loan loss allowances on hand to cover it. This gives Credit Union Of Colorado a Texas Ratio of 2.76% 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 Credit Union Of Colorado held steady from 3.04% as of December 31, 2010 to 2.76% as of December 31, 2011, resulting in a positive change of 9.35%.This indicates that the balance sheet and financial strength for Credit Union Of Colorado has held steady in recent periods. Deposit Growth In the past year, Credit Union Of Colorado has increased its total deposits by $33.92 million, resulting in 4.12% 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 Credit Union Of Colorado has shown is above average. 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. Credit Union Of Colorado has $988.6 million in assets with $125.76 million in equity, resulting in a capitalization level of 12.72%, which is excellent.

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