I. U. O. E. #9 Credit Union

I. U. O. E. #9 Credit Union is headquartered in DENVER and is the 92^nd largest credit union in the state of Colorado. It is also the 6,082^nd largest credit union in the nation. It was established in 1974 and as of December of 2011, it had grown to 1 employees and 644 members. I. U. O. E. #9 Credit Union has a 3-star health rating.

I. U. O. E. #9 Credit Union Savings Account Rates

I. U. O. E. #9 Credit Union CD Rates

Data for Q4 2011

Institution Statistics I. U. O. E. #9 NCUA # 61839 BankRate Report View Year Chartered 1974 Employees 1 Primary Regulator Assets and Liabilities Assets $2.83 million Loans $1.56 million Deposits $2.66 million Equity Capital $160,000 Loan Loss Allowance $91,000 Unbacked Noncurrent Loans $134,000 Historic Data - December 2010 Assets $2.81 million Equity Capital $262,000 Loan Loss Allowance $38,000 Unbacked Noncurrent Loans $169,000 Profit Margin - Quarterly Net Interest Margin 8.06% Return on Assets -3.53% Return on Equity -62.5% Interest Income $141,000 Non-Interest Income $12,000

Institution Health Overall Score: 3 out of 5 Texas Ratio 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 I. U. O. E. #9 Credit Union had $134,000 in non-current loans and owned real-estate with $251,000 in equity and loan loss allowances on hand to cover it. This gives I. U. O. E. #9 Credit Union a Texas Ratio of 53.39% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for I. U. O. E. #9 Credit Union held steady from 56.33% as of December 31, 2010 to 53.39% as of December 31, 2011, resulting in a positive change of 5.23%.This indicates that the balance sheet and financial strength for I. U. O. E. #9 Credit Union has held steady in recent periods. Deposit Growth In the past year, I. U. O. E. #9 Credit Union has increased its total deposits by $108,000, resulting in 4.24% 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 I. U. O. E. #9 Credit Union has shown is above average. Capitalization 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. I. U. O. E. #9 Credit Union has $2.83 million in assets with $251,000 in equity, resulting in a capitalization level of 8.87%, which is average.

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