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Overview / Commentary
719-376-5413
217 W 3rd Ave
Antonito, CO 81120

Guadalupe Parish Credit Union is headquartered in Antonito and is the 61st largest credit union in the state of Colorado. It is also the 3,490th largest credit union in the nation. It was established in 1941 and as of March of 2014, it had grown to 7 employees and 2,943 members. Guadalupe Parish Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a parishioner of Our Lady of Guadalupe Parish in San Antonio, St. Joseph's Parish in La Jara or Sangre de Cristo Parish in San Luis Valley. - See Details

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Guadalupe Parish Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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 Guadalupe Parish Credit Union had $6,000 in non-current loans and owned real-estate with $6.81 million in equity and loan loss allowances on hand to cover it. This gives Guadalupe Parish Credit Union a Texas Ratio of 0.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Guadalupe Parish Credit Union decreased dramatically from 0.31% as of March 31, 2013 to 0.09% as of March 31, 2014, resulting in a positive change of 71.91%.This indicates that the balance sheet and financial strength for Guadalupe Parish Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Guadalupe Parish Credit Union has increased its total deposits by $1.16 million, resulting in 9.07% 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 Guadalupe Parish Credit Union has shown is excellent.

Capitalization

GRADE:
A+

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. Guadalupe Parish Credit Union has $20.67 million in assets with $6.81 million in equity, resulting in a capitalization level of 32.93%, which is excellent.

Institution Statistics

Overall
NCUA #65471
Year Chartered1941
Employees7
Primary Regulator
Assets and Liabilities
Assets$20.67 million
Loans$12.84 million
Deposits$13.92 million
Equity Capital$6.71 million
Loan Loss Allowance$92,000
Unbacked Noncurrent Loans$6,000
Real Estate Owned$0
Historic Data - March 2013
Assets$19.41 million
Equity Capital$6.60 million
Loan Loss Allowance$92,000
Unbacked Noncurrent Loans$6,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.08%
Return on Assets0.64%
Return on Equity1.97%
Interest Income$171,000
Rates
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Guadalupe Parish Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$25k-24 Month CD
0.70%$25k-12 Month CD
0.65%$25k-6 Month CD
0.60%$25k-3 Month CD

Guadalupe Parish Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.26%$25k-12 Month IRA
Locations


Guadalupe Parish Credit Union Locations
Branch Office221 Spruce StreetLa Jara, CO 81140
Branch Office217 W 3rd AveAntonito, CO 81120
Branch Office512 Church PlaceSan Luis, CO 81152