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Shambhala Credit Union Share
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Overview Share
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Shambhala Credit Union is a federally insured state credit union based in Boulder, Colorado. It has been opened since 1976, for 46 years.

With around $2,960,000 in assets, Shambhala Credit Union is considered to be a small credit union.

About Share
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Address 1345 Spruce Street
Boulder, Colorado 80302
Website https://shambhalacreditunion.org
Phone (303) 444-9003
Fax (720) 287-2794
CEO Robert Sutherland
President of the Board Alexander Halpern
Services Offered
Score Card Share
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46 years
Years in business
Opened in 1976
Well Capitalized
Net worth classification
Source: NCUA
379 members
Membership type: State chartered natural person credit union
Below average number of members
152:1
Credit union member to staff ratio
152 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$2,959,254
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 4 in Colorado
Average number of branches
0.50%
Savings interest rate
Compared to 0.3% nationally
12.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 4 in Colorado
Average number of branches
Shambhala Credit Union Branch Locations

Shambhala Credit Union
1345 Spruce Street
Boulder, Colorado 80302
No ATM
Members Share
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379 members
Membership type: State chartered natural person credit union
Below average number of members

With 379 members, the Shambhala Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 93% of credit unions.

Fees Share
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$112
Average fee per member
The average fee per member at the Shambhala Credit Union is $112, which is very high compared to most credit unions. This rate is higher than 89% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Shambhala Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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152:1
Credit union member to staff ratio
152 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
2 staff members
FTE (full-time equivalent)
75% of employees are part-time
1 full-time, 3 part-time

Shambhala Credit Union has 1 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of part-time staff, at approximately 75% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Shambhala Credit Union has around 152 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$2,959,254
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
7.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$13,248
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 72% of credit unions.

Shambhala Credit Union holds a total of $2,760,000 in loans and leases, which is about $13,248 per member on average.

Savings interest rate Share
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0.50%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Shambhala Credit Union pays 0.50%.

Loan rates Share
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12.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.85%
New car loan rate
Compared to 4.0% nationally
5.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.00%
Other real estate loan rates
Compared to 0.9% nationally

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