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

Electrical Federal Credit Union is headquartered in Arvada and is the 47th largest credit union in the state of Colorado. It is also the 2,546th largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 9 employees and 4,145 members at 1 location. Electrical Federal Credit Union's money market rates are 3X the national average, and it 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.

Health Grade Components

NCUA #8701
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD9.39%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$40.0MM$37.2MM
LoansQ4 2018vs Q4 2017$20.6MM$19.6MM
DepositsQ4 2018vs Q4 2017$36.1MM$33.6MM
Equity CapitalQ4 2018vs Q4 2017$3.7MM$3.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$260.00K$200.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$599.00K$547.00K
Real Estate OwnedQ4 2018vs Q4 2017$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
0.10%--Christmas Club
0.10%--Special Shares
0.10%--Christmas Club Restricted

Electrical Federal Credit Union Money Market Rates

1.10%*$100k*-Money Market
OTHER TIERS: 0.30% $1k - $10k | 0.40% $10k - $25k | 0.45% $25k - $75k | 0.55% $75k - $100k

Electrical Federal Credit Union CD Rates

1.96%$1k-48 Month CD
1.66%$1k-36 Month CD
1.35%$1k-24 Month CD
1.15%$1k-12 Month CD
0.75%$1k-6 Month CD

Electrical Federal Credit Union IRA Rates

1.96%$1k-48 Month IRA
1.66%$1k-36 Month IRA
1.35%$1k-24 Month IRA
1.15%$1k-12 Month IRA
0.80%*$1k*-6 Month IRA
OTHER TIERS: 0.75% $500 - $1k

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

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