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Overview / Commentary
2302 North Ave
Grand Junction, CO 81501

Western Rockies Credit Union is headquartered in Grand Junction and is the 25th largest credit union in the state of Colorado. It is also the 1,448th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 36 employees and 14,524 members. Western Rockies Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Mesa, Garfield, Pitkin or Eagle County. - See Details

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Data for Q1 2014

Institution Health


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 Western Rockies Credit Union had $205,000 in non-current loans and owned real-estate with $9.94 million in equity and loan loss allowances on hand to cover it. This gives Western Rockies Credit Union a Texas Ratio of 2.06% 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 Western Rockies Credit Union experienced no significant changes from 1.99% as of March 31, 2013 to 2.06% as of March 31, 2014, resulting in a negative change of 3.91%. This indicates that the balance sheet and financial strength for Western Rockies Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Western Rockies Credit Union has increased its total deposits by $463,000, resulting in 0.48% 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 Western Rockies 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. Western Rockies Credit Union has $107.67 million in assets with $9.94 million in equity, resulting in a capitalization level of 9.23%, which is average.

Institution Statistics

NCUA #1608
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$107.67 million
Loans$46.53 million
Deposits$97.70 million
Equity Capital$9.36 million
Loan Loss Allowance$583,000
Unbacked Noncurrent Loans$205,000
Real Estate Owned$0
Historic Data - March 2013
Assets$107.01 million
Equity Capital$9.21 million
Loan Loss Allowance$715,000
Unbacked Noncurrent Loans$205,000
Real Estate Owned$124,000
Profit Margin - Quarterly
Return on Assets-0.31%
Return on Equity-3.55%
Interest Income$755,000

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Western Rockies Credit Union Savings Account Rates

0.03%$100-Regular Savings
0.03%$100-Business Share Savings
0.03%--Safari Youth Savings
0.03%$100-IRA Savings
0.03%$100-Roth IRA Savings
0.03%$100-CESA Savings

Western Rockies Credit Union Money Market Rates

0.05%$5k-Money Market

Western Rockies Credit Union Checking Account Rates

0.01%$500-Regular Checking

Western Rockies Credit Union CD Rates

1.00%$1k-5 Year CD
0.75%$1k-3 Year CD
0.40%$1k-2 Year CD
0.20%$1k-1 Year CD
0.20%$60-6 Month Youth CD

Western Rockies Credit Union IRA Rates

0.75%$1k-5 Year Time IRA
0.60%$1k-3 Year Time IRA

Western Rockies Credit Union Locations
Branch Office142 W 3rd stRifle, CO 81650
Branch Office577 Kokopelli BlvdFruita, CO 81521
Branch Office2302 North AveGrand Junction, CO 81501
Branch Office3225 I-70 Business Loop Ste A3Clifton, CO 81520