Nuvista Credit Union

Po Box 1085
Montrose, CO 81402
888-261-7488
www.nuvista.org

OverView
Rates
Health
Reviews

Nuvista Credit Union is headquartered in MONTROSE and is the 30^th largest credit union in the state of Colorado. It is also the 1,672^nd largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 23 employees and 6,229 members. Nuvista Credit Union has a 3-star health rating.

Report an Issue

See Rates for: Savings | CD | IRA

Nuvista Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	-	-	Lucky Penny Youth Share Account
0.30%	-	-	Sports Saver Youth Share Account
0.30%	$25	-	Varsity Youth Share Account
0.25%	$50k	-	High Yield Shares Account
0.25%	$50k	-	IRA Shares Account
0.25%	$50k	-	Roth IRA Shares Account
0.10%	$50	-	Regular Shares Account
0.10%	-	$3k	Holiday Club Shares Account

Nuvista Credit Union CD Rates

Apy	Min	Max	Product
1.41%	$100k	-	60 Month Senior Jumbo Certificate
1.36%	$10k	-	60 Month Senior Premier Certificate
1.31%	$100k	-	60 Month Jumbo Certificate
1.31%	$50k	-	60 Month Senior Mini Jumbo Certificate
1.26%	$50k	-	60 Month Mini Jumbo Certificate
1.26%	$500	-	60 Month Senior Advantage Certificate
1.21%	$100	-	5 Year Youth Certificate
1.21%	$10k	-	60 Month Premier Certificate
1.21%	$100k	-	48 - 59 Month Senior Jumbo Certificate
1.16%	$500	-	60 Month Advantage Certificate
1.16%	$50k	-	48 -59 Month Mini Jumbo Certificate
1.11%	$100	-	4 Year Youth Certificate
1.11%	$100k	-	36 - 47 Month Jumbo Certificate
1.11%	$100k	-	48 -59 Month Jumbo Certificate
1.11%	$500	-	48 - 59 Month Senior Advantage Certificate
1.11%	$10k	-	48 - 59 Month Senior Premier Certificate
1.06%	$50k	-	48 - 59 Month Senior Mini Jumbo Certificate
1.01%	$500	-	48 -59 Month Advantage Certificate
1.01%	$10k	-	48 - 59 Month Premier Certificate
1.01%	$10k	-	36 - 47 Month Senior Premier Certificate
1.01%	$50k	-	36 - 47 Month Senior Mini Jumbo Certificate
1.01%	$100k	-	36 - 47 Month Senior Jumbo Certificate
1.00%	$100	-	3 Year Youth Certificate
0.95%	$50k	-	36 - 47 Month Mini Jumbo Certificate
0.95%	$500	-	36 - 47 Month Senior Advantage Certificate
0.90%	$10k	-	36 - 47 Month Premier Certificate
0.85%	$500	-	36 - 47 Month Advantage Certificate
0.70%	$100k	-	24 - 35 Month Senior Jumbo Certificate
0.65%	$500	-	24 - 35 Month Senior Advantage Certificate
0.65%	$50k	-	24 - 35 Month Senior Mini Jumbo Certificate
0.60%	$100k	-	24 - 35 Month Jumbo Certificate
0.60%	$10k	-	24 - 35 Month Senior Premier Certificate
0.60%	$100k	-	12 - 23 Month Senior Jumbo Certificate
0.55%	$500	-	24 - 35 Month Advantage Certificate
0.55%	$50k	-	24 - 35 Month Mini Jumbo Certificate
0.55%	$50k	-	12 - 23 Month Senior Mini Jumbo Certificate
0.50%	$100k	-	12 - 23 Month Jumbo Certificate
0.50%	$10k	-	24 - 35 Month Premier Certificate
0.50%	$10k	-	12 - 23 Month Senior Premier Certificate
0.50%	$100k	-	6 - 11 Month Senior Jumbo Certificate
0.45%	$50k	-	12 - 23 Month Mini Jumbo Certificate
0.45%	$500	-	12 - 23 Month Senior Advantage Certificate
0.45%	$50k	-	6 - 11 Month Senior Mini Jumbo Certificate
0.40%	$100k	-	6 - 11 Month Jumbo Certificate
0.40%	$10k	-	12 - 23 Month Premier Certificate
0.40%	$10k	-	6 - 11 Month Senior Premier Certificate
0.35%	$500	-	12 - 23 Month Advantage Certificate
0.35%	$50k	-	6 - 11 Month Mini Jumbo Certificate
0.35%	$500	-	6 - 11 Month Senior Advantage Certificate
0.35%	$50k	-	3 - 5 Month Senior Mini Jumbo Certificate
0.30%	$10k	-	6 - 11 Month Premier Certificate
0.30%	$10k	-	3 - 5 Month Senior Premier Certificate
0.25%	$500	-	6 - 11 Month Advantage Certificate
0.25%	$50k	-	3 - 5 Month Mini Jumbo Certificate
0.25%	$500	-	3 - 5 Month Senior Advantage Certificate
0.20%	$10k	-	3 - 5 Month Premier Certificate
0.15%	$500	-	3 - 5 Month Advantage Certificate

Nuvista Credit Union IRA Rates

Apy	Min	Max	Product
1.31%	$2k	-	60 Month IRA Certificate
1.31%	$2k	-	60 Month Roth IRA Certificate
1.11%	$2k	-	48 Month IRA Certificate
1.11%	$2k	-	48 Month Roth IRA Certificate
1.01%	$2k	-	36 Month IRA Certificate
1.01%	$2k	-	36 Month Roth IRA Certificate
0.60%	$2k	-	24 Month IRA Certificate
0.60%	$2k	-	24 Month Roth IRA Certificate
0.50%	$2k	-	12 Month IRA Certificate
0.50%	$2k	-	12 Month Roth IRA Certificate

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

NUVISTA
NCUA #	16476
BankRate Report	View
Year Chartered	1964
Employees	23
Primary Regulator
Assets and Liabilities
Assets	$79.24 million
Loans	$52.46 million
Deposits	$72.21 million
Equity Capital	$6.72 million
Loan Loss Allowance	$345,000
Unbacked Noncurrent Loans	$429,000
Real Estate Owned	$2.84 million
Historic Data - December 2010
Assets	$74.99 million
Equity Capital	$6.45 million
Loan Loss Allowance	$347,000
Unbacked Noncurrent Loans	$823,000
Real Estate Owned	$2.06 million
Profit Margin - Quarterly
Net Interest Margin	5.09%
Return on Assets	0.35%
Return on Equity	4.12%
Interest Income	$3.45 million
Non-Interest Income	$825,000

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 Nuvista Credit Union had $3.27 million in non-current loans and owned real-estate with $7.07 million in equity and loan loss allowances on hand to cover it. This gives Nuvista Credit Union a Texas Ratio of 46.22% 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 Nuvista Credit Union held steady from 42.37% as of December 31, 2010 to 46.22% as of December 31, 2011, resulting in a negative change of 9.08%. This indicates that the balance sheet and financial strength for Nuvista Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Nuvista Credit Union has increased its total deposits by $3.82 million, resulting in 5.59% 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 Nuvista Credit Union has shown is excellent.
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. Nuvista Credit Union has $79.24 million in assets with $7.07 million in equity, resulting in a capitalization level of 8.92%, which is average.

No reviews have been left for this bank yet. Be the first to review.