Electrical Federal Credit Union

Overview / Commentary
5080 W 60th Ave
Arvada, CO 80003-6919

Electrical Federal Credit Union is headquartered in Arvada and is the 45th largest credit union in the state of Colorado. It is also the 2,516th largest credit union in the nation. It was established in 1953 and as of March of 2020, it had grown to 7 employees and 4,168 members at 1 location. Electrical Federal Credit Union has a B health rating.

Field of Membership Restrictions

Electrical Federal Credit Union serves those who are affliated with several Colorado Labor Unions; including International Brotherhood of Electrical Workers Local 68 and 111, Carpenters Local 55, Office & Professional Employees International Union Local 30, as well as, any labor union affiliated with either the Colorado AFL-CIO or the Denver Area Labor Federation.
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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. Electrical Federal Credit Union has a low asset base, and a negative return on assets.

Health Grade Components

NCUA #8701
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-2.03%
Return on Equity - YTD-21.34%
Annual Interest Income$404.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$42.9MM$40.7MM
LoansQ1 2020vs Q1 2019$19.6MM$20.4MM
DepositsQ1 2020vs Q1 2019$38.8MM$36.7MM
Equity CapitalQ1 2020vs Q1 2019$4.0MM$3.8MM
Loan Loss AllowanceQ1 2020vs Q1 2019$315.00K$256.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$244.00K$568.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Electrical Federal Credit Union Savings Account Rates

0.30%--IRA Share/Savings
0.08%--Christmas Club
0.08%--Special Shares

Electrical Federal Credit Union Money Market Rates

0.25%*$100k*-Money Market
OTHER TIERS: 0.15% $1k - $25k | 0.20% $25k - $100k

Electrical Federal Credit Union CD Rates

0.91%$1k-48 Month CD
0.80%$1k-36 Month CD
0.70%$1k-24 Month CD
0.60%$1k-12 Month CD
0.50%$1k-6 Month CD

Electrical Federal Credit Union IRA Rates

0.91%$1k-48 Month IRA
0.80%$1k-36 Month IRA
0.70%$1k-24 Month IRA
0.60%$1k-12 Month IRA
0.50%$1k-6 Month IRA

Electrical Federal Credit Union Locations
Branch Office5080 W 60th AveArvada, CO 80003-6919

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