State credit union · Littleton, Colorado · NCUA charter #64110
ARAPAHOE
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $156.5M
- Total assets
- 9,858
- Members
- 6.8%
- Net-worth ratio
ARAPAHOE scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $156.5M; members 9,858; net-worth ratio 6.77%; health rank #4,213 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,213 of 4,374 health · 2025Q4ARAPAHOE · health 54/100 · $156.5M · 2025Q4
- NW 54/100
- DELQ 6.8%
- ROA 2.27%
- ASSETS 0.08%
- MEM $156.5M
- RANK 9,858
- PHOTO #4,213/4,374
- BOOK TRAILHEAD
- CHARTER 64110
Call Report peers
ARAPAHOE in the assets neighbourhood
ARAPAHOE's $156.5M assets sit next to TRAILHEAD ($156.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ARAPAHOE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ARAPAHOE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64110: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where ARAPAHOE diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.28 pp (64.92% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ARAPAHOE sits in Colorado
- Colorado health ordinal: #65 of 66.
- Colorado assets place: #26 of 66.
- Member book place in Colorado: #26 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ARAPAHOE's 5300 filing moved
ARAPAHOE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $156.5M (2025Q4) to $157.3M (2026Q1).
- Net-worth ratio shifted +0.02 pp (6.75% → 6.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
6.77% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 54/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- Net Worth Ratio 20.8 pts
- Delinquency Rate 10.8 pts
- Return on Assets 8.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.2 pts
Call Report ratios for ARAPAHOE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.77% | -5.34 pp |
| Delinquency Rate | 2.27% | +1.37 pp |
| Return on Assets | 0.08% | -0.54 pp |
| Member Growth | -11.03% | - |
| Loan-to-Share Ratio | 64.92% | -7.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
ARAPAHOE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $157.3M | - |
| 2025Q4 | $156.5M | 9,858 |
| 2024Q4 | $154.4M | 11,080 |
| 2023Q4 | $164.2M | 12,577 |
Credit Union Details
- Charter Number
- 64110
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Littleton
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for ARAPAHOE, spread across 3 cities.
| Office | City |
|---|---|
| Arapahoe Credit Union Admin Office (Main Office) | Littleton, CO |
| Arapahoe Credit Union Centennial Office | Centennial, CO |
| Arapahoe Credit Union Englewood Branch | Englewood, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Cross-state Call Report peers for ARAPAHOE
ARAPAHOE's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($156.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
Using this data
- ARAPAHOE ranks #4,213 of 4,374 nationally on financial health and #65 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fidelis Catholic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fidelis Catholic
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ARAPAHOE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ARAPAHOE carries a financial health score of 54/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,213 of 4,374; by total assets it ranks #1,464 of 4,374 nationally (same basis as /rankings/largest); and #26 of 66 within Colorado. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.77% net worth ratio and a 2.27% delinquency rate.
How does ARAPAHOE compare to other credit unions?
ARAPAHOE scores 54/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 ARAPAHOE?
Membership eligibility for ARAPAHOE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ARAPAHOE directly for current membership requirements and application steps.
Is my money safe at ARAPAHOE?
Federal credit unions like ARAPAHOE 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. ARAPAHOE's net worth ratio of 6.77% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does ARAPAHOE offer compared to banks?
Credit unions like ARAPAHOE 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 ARAPAHOE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.