Power Credit Union

1615 East Evans
Pueblo, CO 81004
719.564.0710
www.powercu.org

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Power Credit Union is headquartered in PUEBLO and is the 31^st largest credit union in the state of Colorado. It is also the 1,674^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 35 employees and 11,395 members. Power Credit Union has a 4-star health rating.

Power Credit Union Routing Number: 307077202

5.50% 9-Month CD at a Colorado CU (Power) - 5/16/2007

Power Credit Union has a special 5.50% APY 9-month certificate. The minimum deposit is $5,000. The dividends are payable at maturity only.Field of membership includes all residents living in Pueblo West, Fremont County and southeast Pueblo County....

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See Rates for: Checking | Savings | Money Market | CD

Power Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.00%	-	-	Share Draft Checking

Power Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	IRA Shares
0.10%	-	-	Power Shares
0.10%	-	-	Christmas Club
0.10%	-	-	Escrow
0.10%	-	-	Secondary Shares

Power Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$50k	-	Money Market Account

Power Credit Union CD Rates

Apy	Min	Max	Product
2.05%	$100k	-	5 Year CD
1.75%	$50k	-	4 Year CD
1.60%	$100k	-	3 Year CD
1.15%	$100k	-	2 Year CD
0.65%	$100k	-	1 Year CD
0.45%	$100k	-	6 Month CD
0.35%	$100k	-	3 Month CD

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

POWER
NCUA #	64037
BankRate Report	View
Year Chartered	1938
Employees	35
Primary Regulator
Assets and Liabilities
Assets	$79.14 million
Loans	$37.91 million
Deposits	$69.50 million
Equity Capital	$8.06 million
Loan Loss Allowance	$208,000
Unbacked Noncurrent Loans	$142,000
Real Estate Owned	$55,000
Historic Data - December 2010
Assets	$79.70 million
Equity Capital	$7.32 million
Loan Loss Allowance	$614,000
Unbacked Noncurrent Loans	$174,000
Real Estate Owned	$80,000
Profit Margin - Quarterly
Net Interest Margin	7.18%
Return on Assets	0.96%
Return on Equity	9.42%
Interest Income	$3.13 million
Non-Interest Income	$1.29 million

Institution Health

Overall Score:

4 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 Power Credit Union had $197,000 in non-current loans and owned real-estate with $8.26 million in equity and loan loss allowances on hand to cover it. This gives Power Credit Union a Texas Ratio of 2.38% 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 Power Credit Union decreased slightly from 3.20% as of December 31, 2010 to 2.38% as of December 31, 2011, resulting in a positive change of 25.56%.This indicates that the balance sheet and financial strength for Power Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Power Credit Union has decreased its total deposits by -$1.61 million, resulting in -2.26% 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 Power Credit Union has shown is below 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. Power Credit Union has $79.14 million in assets with $8.26 million in equity, resulting in a capitalization level of 10.44%, which is above average.