Federal credit union · Akron, Colorado · NCUA charter #10253
Akron
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $518K
- Total assets
- 235
- Members
- 7.7%
- Net-worth ratio
Akron - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10253: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Akron - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)81
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth70
- Liquidity (loan-to-share)100
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.71% | 30% |
| Delinquency Rate | 12.62% | 25% |
| Return on Assets | -1.38% | 15% |
| Member Growth | 1.29% | 15% |
| Loan-to-Share Ratio | 82.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $518K | 235 |
| 2024Q4 | $620K | 232 |
| 2023Q4 | $593K | 264 |
Credit Union Details
- Charter Number
- 10253
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Colorado
- City
- Akron
- Data Quarter
- 2025Q4
What This Data Says About Akron
Akron is a federal credit union headquartered in Akron, Colorado, serving 235 members with $518K in total assets and $368K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 50/100 (Fair), anchored by a net worth ratio of 7.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #10253 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 82.08% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 12.62% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at -1.38% on net income of $-7175 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.29%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Akron financially healthy?
Yes/no aside, the number is 50/100 (Fair) - Akron's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.71% net worth ratio and 12.62% delinquency rate are the key drivers.
How does Akron compare to other credit unions?
PlainCU's health composite puts Akron at 50/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Akron?
Akron operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Akron directly for the exact boundaries and application steps.
Is my money safe at Akron?
Federal credit unions like Akron are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Akron's net worth ratio of 7.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Akron offer compared to banks?
Credit unions like Akron are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Akron directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.