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Overview / Commentary
970-848-3823
419 W 8TH AVE
YUMA, CO 80759

Yuma County Credit Union is headquartered in YUMA and is the 52nd largest credit union in the state of Colorado. It is also the 2,884th largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 8 employees and 2,420 members. Yuma County Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live or work in Yuma County. - 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. Yuma County Credit Union has a 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 Yuma County Credit Union had $0 in non-current loans and owned real-estate with $3.57 million in equity and loan loss allowances on hand to cover it. This gives Yuma County Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
B+

In the past year, Yuma County Credit Union has increased its total deposits by $770,000, resulting in 2.79% 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 Yuma County Credit Union has shown is above average.

Capitalization

GRADE:
A

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. Yuma County Credit Union has $32.13 million in assets with $3.57 million in equity, resulting in a capitalization level of 11.11%, which is excellent.

Institution Statistics

Overall
NCUA #6424
Year Chartered1949
Employees8
Primary Regulator
Assets and Liabilities
Assets$32.13 million
Loans$11.12 million
Deposits$28.40 million
Equity Capital$3.55 million
Loan Loss Allowance$14,000
Real Estate Owned$0
Historic Data - March 2013
Assets$31.49 million
Equity Capital$3.49 million
Loan Loss Allowance$9,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.09%
Return on Assets0.07%
Return on Equity0.68%
Interest Income$179,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Yuma County Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Yuma County Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%--Variable IRA
0.30%$100-Chimp Change
0.10%--Savings Account

Yuma County Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$50k-Money Market Account

Yuma County Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Share Draft Checking

Yuma County Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.50%$50k-12 Month CD
0.50%$50k-18 Month CD
0.40%$50k-6 Month CD
Locations


Yuma County Credit Union Locations
Branch Office419 W 8TH AVEYUMA, CO 80759
Branch Office400 MAIN STWRAY, CO 80758-1725