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Overview / Commentary
1825 Hood Ave
Pueblo, CO 81003-1557

Pueblo Horizons Credit Union is headquartered in Pueblo and is the 54th largest credit union in the state of Colorado. It is also the 3,068th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 12 employees and 3,641 members. Pueblo Horizons Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, attend school or worship in Pueblo County. - See Details

Reviews (1)

Bad Member Services

Pissed of with customer service I have been getting. No return communication to my inquiries. Denied auto loans, even small personal loan despite working fulltime. Contributing to my hardship like havig to miiss work because broke no able to get fuel on one occassion. Stuck with having to get very old cheap cars since denied loans. Will definetly be closig my account with Pueblo Horizons Credit Union in the near future the sooner the better. Another reason I'm genally pissed off with this Union I called ahead of time about if I can transfer funds from my Chase Payday Debit was told yes then when I came in to attempt trabsaction was told could not or be $5.00 charge!


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. Pueblo Horizons 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 Pueblo Horizons Credit Union had $82,000 in non-current loans and owned real-estate with $3.74 million in equity and loan loss allowances on hand to cover it. This gives Pueblo Horizons Credit Union a Texas Ratio of 2.19% 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 Pueblo Horizons Credit Union experienced no significant changes from 1.02% as of March 31, 2013 to 2.19% as of March 31, 2014, resulting in a negative change of 114.42%. This indicates that the balance sheet and financial strength for Pueblo Horizons Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Pueblo Horizons Credit Union has increased its total deposits by $482,000, resulting in 2.03% 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 Pueblo Horizons Credit Union has shown is above 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. Pueblo Horizons Credit Union has $27.94 million in assets with $3.74 million in equity, resulting in a capitalization level of 13.39%, which is excellent.

Institution Statistics

NCUA #2449
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$27.95 million
Loans$12.26 million
Deposits$24.18 million
Equity Capital$3.61 million
Loan Loss Allowance$130,000
Unbacked Noncurrent Loans$27,000
Real Estate Owned$55,000
Historic Data - March 2013
Assets$27.65 million
Equity Capital$3.79 million
Loan Loss Allowance$127,000
Unbacked Noncurrent Loans$27,000
Real Estate Owned$31,000
Profit Margin - Quarterly
Return on Assets0.04%
Return on Equity0.33%
Interest Income$209,000
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Pueblo Horizons Credit Union Savings Account Rates

0.10%$25-Share Savings Account
0.10%$25-Christmas Club Account

Pueblo Horizons Credit Union CD Rates

1.00%$500-48 Month CD
0.80%$500-36 Month CD
0.55%$500-24 Month CD
0.30%$500-12 Month CD
0.20%$500-6 Month CD

Pueblo Horizons Credit Union IRA Rates

1.00%$500-48 Month IRA
0.80%$500-36 Month IRA
0.55%$500-24 Month IRA
0.30%$500-12 Month IRA
0.20%$500-6 Month IRA

Pueblo Horizons Credit Union Locations
Branch Office1825 Hood AvePueblo, CO 81003-1557