Westerra Credit Union

3700 East Alameda Ave.
Denver, CO 80209
1-800-858-7212
www.westerracu.com

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Westerra Credit Union is headquartered in DENVER and is the 3^rd largest credit union in the state of Colorado. It is also the 143^rd largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 198 employees and 81,438 members. Westerra Credit Union has a 5-star health rating.

$125 Checking Account Bonus at Westerra Credit Union in Colorado - Local Only - 11/7/2011

Westerra Credit Union is again offering a checking account promotion. Direct deposit is required. This time there's no gift option. The bonus is $125 cash. The promotion is listed on the credit union' ...

$125 Checking Account Promotion at Westerra Credit Union in CO - Local Only - 5/9/2010

Westerra Credit Union has a checking account promotion in which you can receive either a TomTom XL330 GPS System or $125 in cash for opening a Better Than Free Checking account with Direct Deposit. T ...

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

Westerra Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.20%	$100k	-	Preferred Checking

Westerra Credit Union Savings Account Rates

Apy	Min	Max	Product
0.05%	$100	-	Regular Savings
0.05%	-	-	Holiday Club
0.05%	-	-	IRA Savings
0.05%	-	-	Roth IRA Savings
0.05%	-	-	CESA Savings

Westerra Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$100k	-	Preferred Money Market Account
0.20%	$100k	-	Money Market

Westerra Credit Union CD Rates

Apy	Min	Max	Product
1.80%	$500	-	60 Month CD
1.15%	$500	-	48 Month CD
1.00%	$500	-	36 Month CD
0.75%	$500	-	24 Month CD
0.45%	$500	-	12 Month CD
0.30%	$500	-	6 Month CD
0.15%	$500	-	3 Month CD

Westerra Credit Union IRA Rates

Apy	Min	Max	Product
1.80%	$500	-	60 Month IRA
1.80%	$500	-	60 Month Roth IRA
1.80%	$500	-	60 Month CESA
1.15%	$500	-	48 Month IRA
1.15%	$500	-	48 Month Roth IRA
1.15%	$500	-	48 Month CESA
1.00%	$500	-	36 Month IRA
1.00%	$500	-	36 Month Roth IRA
1.00%	$500	-	36 Month CESA
0.75%	$500	-	24 Month IRA
0.75%	$500	-	24 Month Roth IRA
0.75%	$500	-	24 Month CESA
0.45%	$500	-	12 Month IRA
0.45%	$500	-	12 Month Roth IRA
0.45%	$500	-	12 Month CESA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month Roth IRA
0.30%	$500	-	6 Month CESA
0.15%	$500	-	3 Month IRA
0.15%	$500	-	3 Month Roth IRA
0.15%	$500	-	3 Month CESA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

WESTERRA
NCUA #	65788
BankRate Report	View
Year Chartered	1934
Employees	198
Primary Regulator
Assets and Liabilities
Assets	$1.19 billion
Loans	$715.09 million
Deposits	$978.08 million
Equity Capital	$136.76 million
Loan Loss Allowance	$11.49 million
Unbacked Noncurrent Loans	$6.52 million
Real Estate Owned	$326,000
Historic Data - December 2010
Assets	$1.18 billion
Equity Capital	$130.58 million
Loan Loss Allowance	$10.44 million
Unbacked Noncurrent Loans	$9.63 million
Real Estate Owned	$1.78 million
Profit Margin - Quarterly
Net Interest Margin	5.86%
Return on Assets	0.44%
Return on Equity	3.83%
Interest Income	$47.73 million
Non-Interest Income	$7.79 million

Institution Health

Overall Score:

5 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 Westerra Credit Union had $6.85 million in non-current loans and owned real-estate with $148.24 million in equity and loan loss allowances on hand to cover it. This gives Westerra Credit Union a Texas Ratio of 4.62% 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 Westerra Credit Union decreased significantly from 8.09% as of December 31, 2010 to 4.62% as of December 31, 2011, resulting in a positive change of 42.91%.This indicates that the balance sheet and financial strength for Westerra Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Westerra Credit Union has increased its total deposits by $8.9 million, resulting in 0.92% 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 Westerra Credit Union has shown is 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. Westerra Credit Union has $1.19 billion in assets with $148.24 million in equity, resulting in a capitalization level of 12.44%, which is excellent.