Average User Rating:
1 star rating based on 1 review.

Ent Credit Union

P. O. Box 15819
Colorado Spring, CO 809355819
800-525-9623
www.ent.com

NCUA

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Ent Credit Union is headquartered in Colorado Spring and is the largest credit union in the state of Colorado. It is also the 31^st largest credit union in the nation. It was established in 1957 and as of December of 2012, it had grown to 565 employees and 222,041 members. Ent Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Ent Credit Union Checking Account Rates

Apy	Min	Max	Product
0.25%	$100k	-	Business Dividend Checking Account
0.05%	-	-	ValuePLUS Checking Account
0.05%	-	-	Free College Checking Account

Ent Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$50k	-	Health Savings Account
0.20%	$25k	-	IRA Savings Account
0.20%	$25k	-	Roth IRA Savings Account
0.20%	$25k	-	Coverdell Education Savings Account
0.10%	-	-	Savings Account
0.10%	-	-	Business Savings Account

Ent Credit Union Money Market Rates

Apy	Min	Max	Product
0.35%	$250k	-	Money Market Savings Account
0.35%	$500k	-	Business Money Market Savings Account

Ent Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month Certificate
1.50%	$500	-	Business 60 Month Certificate
1.10%	$500	-	48-53 Month Certificate
1.10%	$500	-	54-59 Month Certificate
1.10%	$500	-	Business 48-53 Month Certificate
1.10%	$500	-	Business 54-59 Month Certificate
1.00%	$500	-	36-41 Month Certificate
1.00%	$500	-	42-47 Month Certificate
1.00%	$500	-	Business 36-41 Month Certificate
1.00%	$500	-	Business 42-47 Month Certificate
0.90%	$5k	-	36 Month Priority Certificate
0.90%	$5k	-	Business 36 Month Priority Certificate
0.75%	$25	$1k	6 Month My Savings Builder Certificate
0.75%	$500	-	24-29 Month Certificate
0.75%	$500	-	30-35 Month Certificate
0.75%	$500	-	Business 24-29 Month Certificate
0.75%	$500	-	Business 30-35 Month Certificate
0.70%	-	-	12 Month Money Space Youth Certificate
0.65%	$5k	-	24-29 Month Priority Certificate
0.65%	$5k	-	30-35 Month Priority Certificate
0.65%	$5k	-	Business 24-29 Month Priority Certificate
0.65%	$5k	-	Business 30-35 Month Priority Certificate
0.50%	$500	-	12 Month Certificate
0.50%	$500	-	13-17 Month Certificate
0.50%	$500	-	18-23 Month Certificate
0.50%	$500	-	Business 12 Month Certificate
0.50%	$500	-	Business 13-17 Month Certificate
0.50%	$500	-	Business 18-23 Month Certificate
0.30%	$500	-	6-11 Month Certificate
0.30%	$500	-	Business 6-11 Month Certificate
0.20%	$25	-	6-12 Month My Savings Starter Relationship Certificate
0.20%	$500	-	3-5 Month Certificate
0.20%	$500	-	Business 3-5 Month Certificate

Ent Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA Certificate
1.50%	$500	-	60 Month Roth IRA Certificate
1.50%	$500	-	60 Month HSA Certificate
1.50%	$500	-	60 Month Coverdell ESA Certificate
1.10%	$500	-	48-53 Month IRA Certificate
1.10%	$500	-	54-59 Month IRA Certificate
1.10%	$500	-	48-53 Month Roth IRA Certificate
1.10%	$500	-	54-59 Month Roth IRA Certificate
1.10%	$500	-	48-53 Month HSA Certificate
1.10%	$500	-	54-59 Month HSA Certificate
1.10%	$500	-	48-53 Month Coverdell ESA Certificate
1.10%	$500	-	54-59 Month Coverdell ESA Certificate
1.00%	$500	-	36-41 Month IRA Certificate
1.00%	$500	-	42-47 Month IRA Certificate
1.00%	$500	-	36-41 Month Roth IRA Certificate
1.00%	$500	-	42-47 Month Roth IRA Certificate
1.00%	$500	-	36-41 Month HSA Certificate
1.00%	$500	-	42-47 Month HSA Certificate
1.00%	$500	-	36-41 Month Coverdell ESA Certificate
1.00%	$500	-	42-47 Month Coverdell ESA Certificate
0.90%	$5k	-	36 Month Priority IRA Certificate
0.90%	$5k	-	36 Month Priority Coverdell ESA Certificate
0.90%	$5k	-	36 Month Priority Roth IRA Certificate
0.90%	$5k	-	36 Month Priority HSA Certificate
0.75%	$500	-	24-29 Month IRA Certificate
0.75%	$500	-	30-35 Month IRA Certificate
0.75%	$500	-	24-29 Month Roth IRA Certificate
0.75%	$500	-	30-35 Month Roth IRA Certificate
0.75%	$500	-	24-29 Month HSA Certificate
0.75%	$500	-	30-35 Month HSA Certificate
0.75%	$500	-	24-29 Month Coverdell ESA Certificate
0.75%	$500	-	30-35 Month Coverdell ESA Certificate
0.65%	$5k	-	24-29 Month Priority IRA Certificate
0.65%	$5k	-	30-35 Month Priority IRA Certificate
0.65%	$5k	-	24-29 Month Priority Coverdell ESA Certificate
0.65%	$5k	-	30-35 Month Priority Coverdell ESA Certificate
0.65%	$5k	-	24-29 Month Priority Roth IRA Certificate
0.65%	$5k	-	30-35 Month Priority Roth IRA Certificate
0.65%	$5k	-	24-29 Month Priority HSA Certificate
0.65%	$5k	-	30-35 Month Priority HSA Certificate
0.50%	$500	-	12 Month IRA Certificate
0.50%	$500	-	13-17 Month IRA Certificate
0.50%	$500	-	18-23 Month IRA Certificate
0.50%	$500	-	12 Month Roth IRA Certificate
0.50%	$500	-	13-17 Month Roth IRA Certificate
0.50%	$500	-	18-23 Month Roth IRA Certificate
0.50%	$500	-	12 Month HSA Certificate
0.50%	$500	-	13-17 Month HSA Certificate
0.50%	$500	-	18-23 Month HSA Certificate
0.50%	$500	-	12 Month Coverdell ESA Certificate
0.50%	$500	-	13-17 Coverdell ESA Certificate
0.50%	$500	-	18-23 Month Coverdell ESA Certificate
0.30%	$500	-	6-11 Month IRA Certificate
0.30%	$500	-	6-11 Month Roth IRA Certificate
0.30%	$500	-	6-11 Month HSA Certificate
0.30%	$500	-	6-11 Month Coverdell ESA Certificate
0.20%	$500	-	3-5 Month IRA Certificate
0.20%	$500	-	3-5 Month Roth IRA Certificate
0.20%	$500	-	3-5 Month HSA Certificate
0.20%	$500	-	3-5 Month Coverdell ESA Certificate

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

ENT
NCUA #	11570
BankRate Report	View
Year Chartered	1957
Employees	565
Primary Regulator
Assets and Liabilities
Assets	$3.73 billion
Loans	$2.02 billion
Deposits	$3.02 billion
Equity Capital	$428.17 million
Loan Loss Allowance	$4.33 million
Unbacked Noncurrent Loans	$9.46 million
Real Estate Owned	$2.63 million
Historic Data - December 2011
Assets	$3.42 billion
Equity Capital	$385.74 million
Loan Loss Allowance	$6.03 million
Unbacked Noncurrent Loans	$10.17 million
Real Estate Owned	$1.39 million
Profit Margin - Quarterly
Net Interest Margin	3.67%
Return on Assets	1.12%
Return on Equity	9.72%
Interest Income	$101.58 million
Non-Interest Income	$44.09 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, 2012 Ent Credit Union had $12.09 million in non-current loans and owned real-estate with $432.5 million in equity and loan loss allowances on hand to cover it. This gives Ent Credit Union a Texas Ratio of 2.79% 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 Ent Credit Union held steady from 2.95% as of December 31, 2011 to 2.79% as of December 31, 2012, resulting in a positive change of 5.25%.This indicates that the balance sheet and financial strength for Ent Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Ent Credit Union has increased its total deposits by $227.32 million, resulting in 8.15% 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 Ent Credit Union 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. Ent Credit Union has $3.73 billion in assets with $432.5 million in equity, resulting in a capitalization level of 11.59%, which is above average.