Fitzsimons Credit Union

Fitzsimons Credit Union Locations
2201 N Fitzsimons Parkway
Aurora, CO 80045
(303) 340-3343
www.fitzsimonscu.com

Fitzsimons Credit Union is headquartered in AURORA and is the 16st largest credit union in the state of Colorado. It is also the 1,020th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 42 employees and 13,801 members. Fitzsimons Credit Union has a 5-star health rating.



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

Fitzsimons Credit Union Checking Account Rates

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0.20%$2,500-Partner Paramount Checking

Fitzsimons Credit Union Savings Account Rates

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0.10%$25-Contributory Roth IRA
0.10%$25-Contributory Education IRA
0.10%$25-Contributory Traditional IRA
0.05%$25-Share Savings

Fitzsimons Credit Union Money Market Rates

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0.35%$250k-Money Market Advantage

Fitzsimons Credit Union CD Rates

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1.75%$500-60 Month CD
1.25%$500-48 Month CD
1.00%$500-36 Month CD
0.80%$500-30 Month CD
0.70%$500-24 Month CD
0.60%$500-18 Month CD
0.45%$500-12 Month CD
0.30%$500-6 Month CD
0.15%$500-3 Month CD

Fitzsimons Credit Union IRA Rates

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1.75%$500-60 Month Traditional IRA
1.75%$500-60 Month Roth IRA
1.75%$500-60 Month Education IRA
0.80%$500-30 Month Traditional IRA
0.80%$500-30 Month Education IRA
0.80%$500-30 Month Roth IRA
0.45%$500-12 Month Traditional IRA
0.45%$500-12 Month Education IRA
0.45%$500-12 Month Roth IRA
0.30%$500-6 Month Traditional IRA
0.30%$500-6 Month Roth IRA
0.30%$500-6 Month Education IRA

Rates updated: 5/26/2012

Data for Q4 2011


Institution Statistics


FITZSIMONS
NCUA #10572
BankRate ReportView
Year Chartered1955
Employees42
Primary Regulator

Assets and Liabilities

Assets$157.67 million
Loans$82.99 million
Deposits$137.77 million
Equity Capital$18.33 million
Loan Loss Allowance$2.75 million
Unbacked Noncurrent Loans$966,000
Real Estate Owned$85,000

Historic Data - December 2010

Assets$195.53 million
Equity Capital$17.59 million
Loan Loss Allowance$3.26 million
Unbacked Noncurrent Loans$1.48 million
Real Estate Owned$350,000

Profit Margin - Quarterly

Net Interest Margin5.42%
Return on Assets0.43%
Return on Equity3.67%
Interest Income$5.60 million
Non-Interest Income$2.27 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 Fitzsimons Credit Union had $1.05 million in non-current loans and owned real-estate with $21.08 million in equity and loan loss allowances on hand to cover it. This gives Fitzsimons Credit Union a Texas Ratio of 4.99% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Fitzsimons Credit Union decreased significantly from 8.75% as of December 31, 2010 to 4.99% as of December 31, 2011, resulting in a positive change of 43.04%.This indicates that the balance sheet and financial strength for Fitzsimons Credit Union has improved significantly in recent periods.
Deposit Growth1
In the past year, Fitzsimons Credit Union has decreased its total deposits by -$38.92 million, resulting in -22.03% 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 Fitzsimons Credit Union has shown is poor.
Capitalization5
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. Fitzsimons Credit Union has $157.67 million in assets with $21.08 million in equity, resulting in a capitalization level of 13.37%, which is excellent.
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