Frontier Community Credit Union

Frontier Community Credit Union Locations
P. O. Box 3032
Fort Leavenwort, KS 66027
800.633.4559
www.frontierccu.coop

Frontier Community Credit Union is headquartered in Fort Leavenwort and is the 11st largest credit union in the state of Kansas. It is also the 1,395th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 35 employees and 11,492 members. Frontier Community Credit Union has a 5-star health rating.



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Frontier Community Credit Union Checking Account Rates

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0.25%--Checking Plus

Frontier Community Credit Union Savings Account Rates

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0.50%$50-Share - Without Life Insurance
0.25%$50-Share - With Life Insurance
0.25%--Christmas Club

Frontier Community Credit Union CD Rates

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1.65%$500-60 Month CD
1.35%$500-48 Month CD
1.20%$500-36 Month CD
0.80%$500-24 Month CD
0.60%$50k-12 Month Jumbo CD
0.50%$500-12 Month CD
0.40%$500-9 Month CD
0.35%$500-6 Month CD
0.35%$500-7 Month CD Special
0.30%$500-3 Month CD

Frontier Community Credit Union IRA Rates

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1.65%$500-60 Month IRA
1.65%$500-60 Month Roth IRA
1.65%$500-60 Month Coverdell ESA
1.35%$500-48 Month IRA
1.35%$500-48 Month Roth IRA
1.35%$500-48 Month Coverdell ESA
1.20%$500-36 Month IRA
1.20%$500-36 Month Roth IRA
1.20%$500-36 Month Coverdell ESA
0.80%$500-24 Month IRA
0.80%$500-24 Month Roth IRA
0.80%$500-24 Month Coverdell ESA
0.50%$500-12 Month IRA
0.50%$500-12 Month Roth IRA
0.50%$500-12 Month Coverdell ESA

Rates updated: 5/25/2012

Data for Q4 2011


Institution Statistics


FRONTIER COMMUNITY
NCUA #63201
BankRate ReportView
Year Chartered1954
Employees35
Primary Regulator

Assets and Liabilities

Assets$103.64 million
Loans$52.95 million
Deposits$89.43 million
Equity Capital$13.34 million
Loan Loss Allowance$885,000
Unbacked Noncurrent Loans$396,000
Real Estate Owned$95,000

Historic Data - December 2010

Assets$97.07 million
Equity Capital$12.04 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$2.14 million

Profit Margin - Quarterly

Net Interest Margin6.39%
Return on Assets1.26%
Return on Equity9.76%
Interest Income$4.41 million
Non-Interest Income$1.26 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 Frontier Community Credit Union had $491,000 in non-current loans and owned real-estate with $14.23 million in equity and loan loss allowances on hand to cover it. This gives Frontier Community Credit Union a Texas Ratio of 3.45% 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 Frontier Community Credit Union decreased significantly from 15.91% as of December 31, 2010 to 3.45% as of December 31, 2011, resulting in a positive change of 78.31%.This indicates that the balance sheet and financial strength for Frontier Community Credit Union has improved significantly in recent periods.
Deposit Growth5
In the past year, Frontier Community Credit Union has increased its total deposits by $5.33 million, resulting in 6.34% 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 Frontier Community Credit Union has shown is excellent.
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. Frontier Community Credit Union has $103.64 million in assets with $14.23 million in equity, resulting in a capitalization level of 13.73%, which is excellent.
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