2. B.C.S. Community Credit Union

B.C.S. Community Credit Union


Overview / Commentary
www.bcscu.com
303-425-6627
4203 Wadsworth Blvd
Wheat Ridge, CO 80033-4601

B.C.S. Community Credit Union is headquartered in Wheat Ridge and is the 58th largest credit union in the state of Colorado. It is also the 3,171st largest credit union in the nation. It was established in 1938 and as of March of 2019, it had grown to 5 employees and 2,601 members at 1 location. B.C.S. Community Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

B.C.S. Community CU is open to anyone who resides, holds employment, or attends church in Wheat Ridge, Colorado and the employees of Burlington Northern Santa Fe, Union Pacific Railroad, or Amtrack. Membership eligibility also extends to include the direct family members of current CU members, as well as the church members and registered students affiliated with Emmaus Lutheran Church of St. Lukes Lutheran Church in Denver or Golden, Emmaus Lutheran Church School, and the Early Learning Center in Denver, Colorado.
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Health
B+

Data as of Q1 2019

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. B.C.S. Community Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #66037
Year Chartered1938
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD-0.98%
Return on Equity - YTD-5.69%
Annual Interest Income$262.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$24.0MM$23.5MM
LoansQ1 2019vs Q1 2018$19.3MM$16.5MM
DepositsQ1 2019vs Q1 2018$19.7MM$19.3MM
Equity CapitalQ1 2019vs Q1 2018$4.1MM$4.2MM
Loan Loss AllowanceQ1 2019vs Q1 2018$108.00K$129.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$25.00K$149.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

B.C.S. Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$30k*- Share Savings
OTHER TIERS: 0.10% → $50 - $750 | 0.20% → $750 - $30k
0.35%*$30k*-Club Savings
OTHER TIERS: 0.10% → $50 - $750 | 0.20% → $750 - $30k
0.35%*$30k*-Special Savings
OTHER TIERS: 0.10% → $50 - $750 | 0.20% → $750 - $30k

B.C.S. Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.81%*$100k*-Money Market
OTHER TIERS: 0.31% → $2.5k - $10k | 0.51% → $10k - $25k | 0.61% → $25k - $50k | 0.71% → $50k - $100k

B.C.S. Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$5k*-Classic Checking
OTHER TIERS: 0.03% → $500 - $2.5k | 0.05% → $2.5k - $5k

B.C.S. Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$25k-60 Month Jumbo CD
2.95%$500$25k60 Month CD
2.77%$500-48 Month CD
2.68%$500-36 Month CD
2.65%$500-15 Month Special CD
2.64%$25k-24 Month Jumbo CD
2.53%$500$25k24 Month CD
2.38%$500-18 Month CD
2.16%$25k-12 Month Jumbo CD
2.06%$500$25k12 Month CD
1.65%$500-6 Month CD

B.C.S. Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$25k-60 Month Jumbo CD IRA
2.95%$500$25k60 Month IRA
2.77%$500-48 Month IRA
2.68%$500-36 Month IRA
2.65%$500-15 Month IRA Special
2.64%$25k-24 Month Jumbo IRA
2.53%$500$25k24 Month IRA
2.38%$500-18 Month IRA
2.16%$25k-12 Month Jumbo IRA
2.06%$500$25k12 Month IRA
1.65%$500-6 Month IRA
Locations


B.C.S. Community Credit Union Locations
Branch Office4203 Wadsworth BlvdWheat Ridge, CO 80033-4601

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