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



Ent Credit Union is headquartered in Colorado Spring and is the largest credit union in the state of Colorado. It is also the 29th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 573 employees and 209,927 members. Ent Credit Union has a 5-star health rating.



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

Ent Credit Union Checking Account Rates

ApyMinMaxProduct
0.25%$100k-Business Dividend Checking Account
0.05%--ValuePLUS Checking Account
0.05%--Free College Checking Account
0.05%--Lion One Checking Account

Ent Credit Union Savings Account Rates

ApyMinMaxProduct
0.30%$50k-Health Savings Account
0.25%$25k-IRA Savings Account
0.25%$25k-Roth IRA Savings Account
0.25%$25k-Coverdell Education Savings Account
0.10%--Savings Account
0.10%--Business Savings Account

Ent Credit Union Money Market Rates

ApyMinMaxProduct
0.40%$250k-Money Market Savings Account
0.35%$500k-Business Money Market Savings Account

Ent Credit Union CD Rates

ApyMinMaxProduct
2.00%$500-60 Month Certificate
2.00%$500-Business 60 Month Certificate
1.50%$500-54-59 Month Certificate
1.50%$500-Business 54-59 Month Certificate
1.40%$500-48-53 Month Certificate
1.40%$500-Business 48-53 Month Certificate
1.35%$500-36-41 Month Certificate
1.35%$500-42-47 Month Certificate
1.35%$500-Business 36-41 Month Certificate
1.35%$500-Business 42-47 Month Certificate
1.25%$5k-36 Month Priority Certificate
1.25%$5k-Business 36 Month Priority Certificate
1.10%$500-30-35 Month Certificate
1.10%$500-Business 30-35 Month Certificate
1.00%$25$1k6 Month My Savings Builder Certificate
1.00%$500-24-29 Month Certificate
1.00%$500-Business 24-29 Month Certificate
0.99%$5k-30-35 Month Priority Certificate
0.99%$5k-Business 30-35 Month Priority Certificate
0.95%--12 Month Money Space Youth Certificate
0.90%$5k-24-29 Month Priority Certificate
0.90%$5k-Business 24-29 Month Priority Certificate
0.80%$500-18-23 Month Certificate
0.80%$500-Business 18-23 Month Certificate
0.75%$500-12 Month Certificate
0.75%$500-13-17 Month Certificate
0.75%$500-Business 12 Month Certificate
0.75%$500-Business 13-17 Month Certificate
0.40%$500-6-11 Month Certificate
0.40%$500-Business 6-11 Month Certificate
0.25%$25-6-12 Month My Savings Starter Relationship Certificate
0.25%$500-3-5 Month Certificate
0.25%$500-Business 3-5 Month Certificate

Ent Credit Union IRA Rates

ApyMinMaxProduct
2.00%$500-60 Month IRA Certificate
2.00%$500-60 Month Roth IRA Certificate
2.00%$500-60 Month HSA Certificate
2.00%$500-60 Month Coverdell ESA Certificate
1.50%$500-54-59 Month IRA Certificate
1.50%$500-54-59 Month Roth IRA Certificate
1.50%$500-54-59 Month HSA Certificate
1.50%$500-54-59 Month Coverdell ESA Certificate
1.40%$500-48-53 Month IRA Certificate
1.40%$500-48-53 Month Roth IRA Certificate
1.40%$500-48-53 Month HSA Certificate
1.40%$500-48-53 Month Coverdell ESA Certificate
1.35%$500-36-41 Month IRA Certificate
1.35%$500-42-47 Month IRA Certificate
1.35%$500-36-41 Month Roth IRA Certificate
1.35%$500-42-47 Month Roth IRA Certificate
1.35%$500-36-41 Month HSA Certificate
1.35%$500-42-47 Month HSA Certificate
1.35%$500-36-41 Month Coverdell ESA Certificate
1.35%$500-42-47 Month Coverdell ESA Certificate
1.25%$5k-36 Month Priority IRA Certificate
1.25%$5k-36 Month Priority Coverdell ESA Certificate
1.25%$5k-36 Month Priority Roth IRA Certificate
1.25%$5k-36 Month Priority HSA Certificate
1.10%$500-30-35 Month IRA Certificate
1.10%$500-30-35 Month Roth IRA Certificate
1.10%$5k-30-35 Month Priority Roth IRA Certificate
1.10%$500-30-35 Month HSA Certificate
1.10%$500-30-35 Month Coverdell ESA Certificate
1.00%$500-24-29 Month IRA Certificate
1.00%$500-24-29 Month Roth IRA Certificate
1.00%$500-24-29 Month HSA Certificate
1.00%$5k-24-29 Month Priority HSA Certificate
1.00%$500-24-29 Month Coverdell ESA Certificate
0.99%$5k-30-35 Month Priority IRA Certificate
0.99%$5k-30-35 Month Priority Coverdell ESA Certificate
0.99%$5k-30-35 Month Priority HSA Certificate
0.90%$5k-24-29 Month Priority IRA Certificate
0.90%$5k-24-29 Month Priority Coverdell ESA Certificate
0.90%$5k-24-29 Month Priority Roth IRA Certificate
0.80%$500-18-23 Month IRA Certificate
0.80%$500-18-23 Month Roth IRA Certificate
0.80%$500-18-23 Month HSA Certificate
0.80%$500-18-23 Month Coverdell ESA Certificate
0.75%$500-12 Month IRA Certificate
0.75%$500-13-17 Month IRA Certificate
0.75%$500-12 Month Roth IRA Certificate
0.75%$500-13-17 Month Roth IRA Certificate
0.75%$500-12 Month HSA Certificate
0.75%$500-13-17 Month HSA Certificate
0.75%$500-12 Month Coverdell ESA Certificate
0.75%$500-13-17 Coverdell ESA Certificate
0.40%$500-6-11 Month IRA Certificate
0.40%$500-6-11 Month Roth IRA Certificate
0.40%$500-6-11 Month HSA Certificate
0.40%$500-6-11 Month Coverdell ESA Certificate
0.25%$500-3-5 Month IRA Certificate
0.25%$500-3-5 Month Roth IRA Certificate
0.25%$500-3-5 Month HSA Certificate
0.25%$500-3-5 Month Coverdell ESA Certificate

Rates updated: 5/25/2012

Data for Q4 2011


Institution Statistics


ENT
NCUA #11570
BankRate ReportView
Year Chartered1957
Employees573
Primary Regulator

Assets and Liabilities

Assets$3.42 billion
Loans$1.89 billion
Deposits$2.79 billion
Equity Capital$385.74 million
Loan Loss Allowance$6.03 million
Unbacked Noncurrent Loans$10.17 million
Real Estate Owned$1.39 million

Historic Data - December 2010

Assets$3.13 billion
Equity Capital$353.79 million
Loan Loss Allowance$11.30 million
Unbacked Noncurrent Loans$12.15 million
Real Estate Owned$1.97 million

Profit Margin - Quarterly

Net Interest Margin3.65%
Return on Assets0.91%
Return on Equity8.05%
Interest Income$109.51 million
Non-Interest Income$32.30 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Ent Credit Union had $11.56 million in non-current loans and owned real-estate with $391.77 million in equity and loan loss allowances on hand to cover it. This gives Ent Credit Union a Texas Ratio of 2.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Ent Credit Union decreased slightly from 3.87% as of December 31, 2010 to 2.95% as of December 31, 2011, resulting in a positive change of 23.74%.This indicates that the balance sheet and financial strength for Ent Credit Union has improved slightly in recent periods.
Deposit Growth5
In the past year, Ent Credit Union has increased its total deposits by $196.84 million, resulting in 7.59% 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.
Capitalization4
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 $3.42 billion in assets with $391.77 million in equity, resulting in a capitalization level of 11.46%, which is above average.
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