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Overview / Commentary
504 Court Rd
Grand Junction, CO 81501

Junction Bell Credit Union is headquartered in Grand Junction and is the 62nd largest credit union in the state of Colorado. It is also the 3,624th largest credit union in the nation. It was established in 1940 and as of March of 2014, it had grown to 5 employees and 1,695 members. Junction Bell Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of one of the several select companies most of which are on the telephone field. - 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. Junction Bell Credit Union has a 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 Junction Bell Credit Union had $2,000 in non-current loans and owned real-estate with $2.3 million in equity and loan loss allowances on hand to cover it. This gives Junction Bell 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


The Texas Ratio for Junction Bell Credit Union experienced no significant changes from 0.09% as of March 31, 2013 to 0.09% as of March 31, 2014, resulting in a negative change of 0.48%. This indicates that the balance sheet and financial strength for Junction Bell Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Junction Bell Credit Union has decreased its total deposits by $-311,000, resulting in -1.84% 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 Junction Bell Credit Union has shown is average.



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. Junction Bell Credit Union has $19.08 million in assets with $2.3 million in equity, resulting in a capitalization level of 12.07%, which is excellent.

Institution Statistics

NCUA #3837
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$19.08 million
Loans$9.13 million
Deposits$16.62 million
Equity Capital$2.28 million
Loan Loss Allowance$19,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Historic Data - March 2013
Assets$19.51 million
Equity Capital$2.26 million
Loan Loss Allowance$53,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-1.05%
Return on Equity-8.76%
Interest Income$130,000

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Junction Bell Credit Union Savings Account Rates

0.30%--Christmas Club
0.20%--IRA Savings

Junction Bell Credit Union Money Market Rates

0.10%--Money Market

Junction Bell Credit Union Checking Account Rates

0.01%--Interest Earning Checking Account

Junction Bell Credit Union CD Rates

0.75%$500-36 Month Share Certificate
0.75%$100-36 Month Youth Certificate
0.60%$500-24 Month Share Certificate
0.60%$100-24 Month Youth Certificate
0.40%$100-18 Month Youth Certificate
0.40%$500-18 Month Share Certificate
0.30%$100-12 Month Youth Certificate
0.30%$500-12 Month Share Certificate
0.17%$500-6 Month Share Certificate
0.17%$100-6 Month Youth Certificate
0.12%$100-3 Month Youth Certificate
0.12%$500-3 Month Share Certificate

Junction Bell Credit Union IRA Rates

0.75%$500-36 Month IRA Certificate
0.60%$500-24 Month IRA Certificate
0.40%$500-18 Month IRA Certificate
0.30%$500-12 Month IRA Certificate
0.17%$500-6 Month IRA Certificate
0.12%$500-3 Month IRA Certificate

Junction Bell Credit Union Locations
Branch Office504 Court RdGrand Junction, CO 81501-4906