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Overview / Commentary
303-534-4448
2001 Lincoln St Ste 100
Denver, CO 80202-3802

White Crown Credit Union is headquartered in Denver and is the 39th largest credit union in the state of Colorado. It is also the 2,094th largest credit union in the nation. It was established in 1951 and as of March of 2014, it had grown to 12 employees and 6,428 members. White Crown Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live or work in the Greater Downtown Denver area. Also open to employees of several select employer groups. - See Details

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. White Crown Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
A+

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 White Crown Credit Union had $53,000 in non-current loans and owned real-estate with $5.46 million in equity and loan loss allowances on hand to cover it. This gives White Crown Credit Union a Texas Ratio of 0.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for White Crown Credit Union decreased dramatically from 3.03% as of March 31, 2013 to 0.97% as of March 31, 2014, resulting in a positive change of 67.97%.This indicates that the balance sheet and financial strength for White Crown Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, White Crown Credit Union has increased its total deposits by $2.9 million, resulting in 5.62% 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 White Crown Credit Union has shown is excellent.

Capitalization

GRADE:
C+

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. White Crown Credit Union has $60 million in assets with $5.46 million in equity, resulting in a capitalization level of 9.10%, which is average.

Institution Statistics

Overall
NCUA #7418
Year Chartered1951
Employees12
Primary Regulator
Assets and Liabilities
Assets$60.00 million
Loans$29.28 million
Deposits$54.54 million
Equity Capital$4.98 million
Loan Loss Allowance$482,000
Unbacked Noncurrent Loans$53,000
Real Estate Owned$0
Historic Data - March 2013
Assets$57.29 million
Equity Capital$5.00 million
Loan Loss Allowance$472,000
Unbacked Noncurrent Loans$53,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.04%
Return on Assets-0.03%
Return on Equity-0.4%
Interest Income$387,000
Rates

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White Crown Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Children's Account
0.10%--Teens Account
0.10%--IRA Savings
0.10%--Roth IRA Savings
0.05%--Share Savings
0.05%--Additional Savings

White Crown Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$50k-Money Market Account

White Crown Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Share Draft

White Crown Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.56%$50k-5 Year CD
1.11%$50k-3 Year CD
0.65%$50k-2 Year CD
0.45%$50k-1 Year CD
0.30%$50k-6 Month CD
0.25%$50k-3 Month CD

White Crown Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.56%$50k-5 Year IRA
1.11%$50k-3 Year IRA
0.65%$50k-2 Year IRA
0.45%$50k-1 Year IRA
0.30%$50k-6 Month IRA
0.25%$50k-3 Month IRA
Locations


White Crown Credit Union Locations
Branch Office55 Inverness Dr EEnglewood, CO 80112-5412
Branch Office2001 Lincoln St Ste 100Denver, CO 80202-3802