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Overview / Commentary
803 East Olive Street, P.O. Box 876
Lamar, CO 81052

Fellowship CU (CO) is headquartered in Lamar and is the 67th largest credit union in the state of Colorado. It is also the 4,314st largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 9 employees and 2,360 members. Fellowship CU (CO)'s savings rates are 3X the national average, and it has a C+ health rating.

Field of Membership Restrictions

You’re eligible to join if you live or work in the following counties: Prowers, Baca, Bent and Kiowa. If you’re already a member, your immediate family can become members too! - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Fellowship CU (CO) has a low asset base.

Texas Ratio


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 Fellowship CU (CO) had $224,000 in non-current loans and owned real-estate with $1.57 million in equity and loan loss allowances on hand to cover it. This gives Fellowship CU (CO) a Texas Ratio of 14.23% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fellowship CU (CO) experienced no significant changes from 13.09% as of March 31, 2013 to 14.23% as of March 31, 2014, resulting in a negative change of 8.75%. This indicates that the balance sheet and financial strength for Fellowship CU (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Fellowship CU (CO) has decreased its total deposits by $-581,000, resulting in -5.45% 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 Fellowship CU (CO) has shown is below average.



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. Fellowship CU (CO) has $11.52 million in assets with $1.57 million in equity, resulting in a capitalization level of 13.66%, which is excellent.

Institution Statistics

NCUA #64852
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$11.53 million
Loans$8.38 million
Deposits$10.08 million
Equity Capital$1.42 million
Loan Loss Allowance$158,000
Unbacked Noncurrent Loans$224,000
Real Estate Owned$0
Historic Data - March 2013
Assets$12.30 million
Equity Capital$1.59 million
Loan Loss Allowance$221,000
Unbacked Noncurrent Loans$224,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.07%
Return on Equity0.56%
Interest Income$183,000

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Fellowship CU (CO) Savings Account Rates

1.51%--Traditional IRA
1.51%--Roth IRA
1.51%--Education IRA
0.30%--Secondary Share Account
0.25%--Share Account

Fellowship CU (CO) Money Market Rates

0.30%$1k-Money Market Account

Fellowship CU (CO) Checking Account Rates

0.25%--Share Draft Account

Fellowship CU (CO) CD Rates

0.30%--6 Month CD
0.30%--12 Month CD

Fellowship CU (CO) Locations
Branch Office111 S Main StHolly, CO 81047
Branch Office803 E Olive StLamar, CO 81052