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Overview / Commentary
303-770-4468
6980 S Holly Cir
Centennial, CO 80112-1018

Metrum Community Credit Union is headquartered in Centennial and is the 41st largest credit union in the state of Colorado. It is also the 2,154th largest credit union in the nation. It was established in 1946 and as of March of 2014, it had grown to 13 employees and 4,755 members. Metrum Community Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee of one of the several employee groups and associations. - See Details

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Health

Data for Q1 2014

Institution Health

A
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Metrum Community Credit Union has a relatively 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 Metrum Community Credit Union had $73,000 in non-current loans and owned real-estate with $7.29 million in equity and loan loss allowances on hand to cover it. This gives Metrum Community Credit Union a Texas Ratio of 1.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Metrum Community Credit Union decreased slightly from 1.36% as of March 31, 2013 to 1.00% as of March 31, 2014, resulting in a positive change of 26.49%.This indicates that the balance sheet and financial strength for Metrum Community Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Metrum Community Credit Union has increased its total deposits by $1.11 million, resulting in 2.29% 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 Metrum Community Credit Union has shown is above average.

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. Metrum Community Credit Union has $57.37 million in assets with $7.29 million in equity, resulting in a capitalization level of 12.70%, which is excellent.

Institution Statistics

Overall
NCUA #62422
Year Chartered1946
Employees13
Primary Regulator
Assets and Liabilities
Assets$57.37 million
Loans$32.76 million
Deposits$49.68 million
Equity Capital$7.10 million
Loan Loss Allowance$191,000
Unbacked Noncurrent Loans$73,000
Real Estate Owned$0
Historic Data - March 2013
Assets$55.57 million
Equity Capital$6.52 million
Loan Loss Allowance$231,000
Unbacked Noncurrent Loans$73,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.32%
Return on Assets0.97%
Return on Equity7.84%
Interest Income$465,000
Rates

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Metrum Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-IRA Options Account
0.10%$100-Regular Share Savings
0.10%--Holiday Club Savings
0.10%--Vacation Club Savings
0.10%--Other Savings

Metrum Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Money Market Account

Metrum Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.03%$500-Dividend-Wi$e and HOA Checking
0.03%$2,500-Small Business Checking

Metrum Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.60%$1k-60 Month CD
1.30%$1k-48 Month CD
0.95%$1k-36 Month CD
0.75%$1k-30 Month CD
0.70%$1k-24 Month CD
0.55%$1k-18 Month CD
0.45%$1k-12 Month CD
0.40%$1k-9 Month CD
0.30%$1k-6 Month CD

Metrum Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.60%$1k-60 Month IRA
1.30%$1k-48 Month IRA
0.95%$1k-36 Month IRA
0.70%$1k-24 Month IRA
0.45%$1k-12 Month IRA
Locations


Metrum Community Credit Union Locations
Branch Office7180 E 54th PlCommerce City, CO 80022-4808
Branch Office6980 S Holly CirCentennial, CO 80112-1018