Credit Union Of The Rockies

Credit Union Of The Rockies is headquartered in GOLDEN and is the 29^th largest credit union in the state of Colorado. It is also the 1,655^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 29 employees and 9,847 members. Credit Union Of The Rockies' money market rates are 120X the national average, and it boasts a 5-star health rating.

Credit Union Of The Rockies Routing Number: 307076232

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Data for Q4 2011

Institution Statistics CREDIT UNION OF THE ROCKIES NCUA # 67226 BankRate Report View Year Chartered 1937 Employees 29 Primary Regulator Assets and Liabilities Assets $80.03 million Loans $55.30 million Deposits $72.29 million Equity Capital $7.42 million Loan Loss Allowance $737,000 Unbacked Noncurrent Loans $230,000 Real Estate Owned $6,000 Historic Data - December 2010 Assets $76.58 million Equity Capital $6.34 million Loan Loss Allowance $796,000 Unbacked Noncurrent Loans $694,000 Profit Margin - Quarterly Net Interest Margin 5.66% Return on Assets 1.1% Return on Equity 11.87% Interest Income $3.58 million Non-Interest Income $1.76 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 The Rockies had $236,000 in non-current loans and owned real-estate with $8.15 million in equity and loan loss allowances on hand to cover it. This gives Credit Union Of The Rockies a Texas Ratio of 2.89% 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 The Rockies decreased significantly from 9.73% as of December 31, 2010 to 2.89% as of December 31, 2011, resulting in a positive change of 70.26%.This indicates that the balance sheet and financial strength for Credit Union Of The Rockies has improved significantly in recent periods. Deposit Growth In the past year, Credit Union Of The Rockies has increased its total deposits by $2.88 million, resulting in 4.16% 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 The Rockies 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 The Rockies has $80.03 million in assets with $8.15 million in equity, resulting in a capitalization level of 10.19%, which is above average.

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