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Overview / Commentary
7990 W Alameda Ave
Lakewood, CO 80226

Foothills CU (CO) is headquartered in Lakewood and is the 37th largest credit union in the state of Colorado. It is also the 1,964th largest credit union in the nation. It was established in 1946 and as of March of 2014, it had grown to 14 employees and 6,842 members. Foothills CU (CO) has a B+ health rating.

Field of Membership Restrictions

Must lives or works in the City of Lakewood, CO. Also open to family members of over fifty employee groups that currently sponsor Foothills Credit Union. - 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. Foothills CU (CO) has a relatively 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 Foothills CU (CO) had $476,000 in non-current loans and owned real-estate with $6.97 million in equity and loan loss allowances on hand to cover it. This gives Foothills CU (CO) a Texas Ratio of 6.83% 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 Foothills CU (CO) experienced no significant changes from 4.16% as of March 31, 2013 to 6.83% as of March 31, 2014, resulting in a negative change of 64.15%. This indicates that the balance sheet and financial strength for Foothills CU (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Foothills CU (CO) has increased its total deposits by $5.08 million, resulting in 9.23% 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 Foothills CU (CO) has shown is excellent.



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. Foothills CU (CO) has $66.95 million in assets with $6.97 million in equity, resulting in a capitalization level of 10.41%, which is above average.

Institution Statistics

NCUA #67181
Year Chartered1946
Primary Regulator
Assets and Liabilities
Assets$66.95 million
Loans$50.39 million
Deposits$60.14 million
Equity Capital$6.61 million
Loan Loss Allowance$358,000
Unbacked Noncurrent Loans$122,000
Real Estate Owned$354,000
Historic Data - March 2013
Assets$61.49 million
Equity Capital$6.14 million
Loan Loss Allowance$374,000
Unbacked Noncurrent Loans$122,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.58%
Return on Equity5.87%
Interest Income$597,000

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Foothills CU (CO) Savings Account Rates

0.30%$100-IRA Share Savings
0.15%$100-Share Savings Account

Foothills CU (CO) Money Market Rates

0.35%$50k-Money Market Share Account

Foothills CU (CO) Checking Account Rates

0.15%$500-Golden Nugget Checking Account

Foothills CU (CO) CD Rates

1.31%$1k-60 Month Share Certificate
1.16%$1k-48 Month Share Certificate
0.95%$1k-36 Month Share Certificate
0.75%$1k-24 Month Share Certificate
0.50%$1k-18 Month Share Certificate
0.45%$1k-12 Month Share Certificate
0.40%$1k-9 Month Share Certificate
0.25%$1k-6 Month Share Certificate

Foothills CU (CO) IRA Rates

0.70%$1k-12 Month IRA

Foothills CU (CO) Locations
Branch Office7990 W Alameda AveLakewood, CO 80226