West Denver Community Credit Union

West Denver Community Credit Union is headquartered in DENVER and is the 72^nd largest credit union in the state of Colorado. It is also the 4,829^th largest credit union in the nation. It was established in 1946 and as of December of 2011, it had grown to 4 employees and 2,093 members. West Denver Community Credit Union has a 4-star health rating.

West Denver Community Credit Union Routing Number: 302075814

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Data for Q4 2011

Institution Statistics WEST DENVER COMMUNITY NCUA # 65726 BankRate Report View Year Chartered 1946 Employees 4 Primary Regulator Assets and Liabilities Assets $8.56 million Loans $4.90 million Deposits $7.41 million Equity Capital $1.11 million Loan Loss Allowance $95,000 Unbacked Noncurrent Loans $85,000 Real Estate Owned $225,000 Historic Data - December 2010 Assets $8.54 million Equity Capital $1.18 million Loan Loss Allowance $100,000 Unbacked Noncurrent Loans $143,000 Real Estate Owned $225,000 Profit Margin - Quarterly Net Interest Margin 7.45% Return on Assets -0.81% Return on Equity -6.23% Interest Income $379,000 Non-Interest Income $105,000

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 West Denver Community Credit Union had $310,000 in non-current loans and owned real-estate with $1.2 million in equity and loan loss allowances on hand to cover it. This gives West Denver Community Credit Union a Texas Ratio of 25.79% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for West Denver Community Credit Union held steady from 28.82% as of December 31, 2010 to 25.79% as of December 31, 2011, resulting in a positive change of 10.50%.This indicates that the balance sheet and financial strength for West Denver Community Credit Union has held steady in recent periods. Deposit Growth In the past year, West Denver Community Credit Union has increased its total deposits by $74,000, resulting in 1.01% 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 West Denver Community Credit Union has shown is above 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. West Denver Community Credit Union has $8.56 million in assets with $1.2 million in equity, resulting in a capitalization level of 14.04%, which is excellent.

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