Federal credit union · Aurora, Colorado · NCUA charter #18574
AURORA
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $134.9M
- Total assets
- 7,420
- Members
- 17.5%
- Net-worth ratio
AURORA scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $134.9M; members 7,420; net-worth ratio 17.46%; health rank #2,696 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,696 of 4,374 health · 2025Q4AURORA · health 80/100 · $134.9M · 2025Q4
- BOOK 80/100
- CHARTER 17.5%
- NCUSIF 2.05%
- CAMELS 0.74%
- HEALTH $134.9M
- NW 7,420
- DELQ #2,696/4,374
- ROA CLINCHFIELD
- ASSETS 18574
Call Report peers
AURORA in the assets neighbourhood
AURORA's $134.9M assets sit next to CLINCHFIELD ($134.9M) 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.
AURORA 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
80 36th percentile higher than 36% 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
AURORA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18574. See our deposit-insurance coverage note.
AURORA vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 17.46% vs peer 12.11% (+5.35 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.47 pp (63.73% 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 AURORA sits in Colorado
- In Colorado, health place is #44 of 66 on the same NCUA-ratio sort used nationally.
- Colorado assets place: #29 of 66.
- Colorado membership ordinal: #29 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.
AURORA Call Report trajectory
AURORA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $134.9M (2025Q4) to $138.8M (2026Q1).
- Net-worth ratio shifted -0.33 pp (17.79% → 17.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 17.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.8 pts
Call Report ratios for AURORA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.46% | +5.35 pp |
| Delinquency Rate | 2.05% | +1.16 pp |
| Return on Assets | 0.74% | +0.11 pp |
| Member Growth | 0.01% | - |
| Loan-to-Share Ratio | 63.73% | -8.47 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).
Call Report history - AURORA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $138.8M | - |
| 2025Q4 | $134.9M | 7,420 |
| 2024Q4 | $124.9M | 7,419 |
| 2023Q4 | $123.1M | 7,497 |
Credit Union Details
- Charter Number
- 18574
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Aurora
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for AURORA.
| Office | City |
|---|---|
| Main Branch (Main Office) | Aurora, CO |
| City Branch | Aurora, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
Other-state peers near AURORA
AURORA's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($134.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- AURORA ranks #2,696 of 4,374 nationally on financial health and #44 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pikes Peak is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pikes Peak
- 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 AURORA financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - AURORA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,696 of 4,374; by total assets it ranks #1,574 of 4,374 nationally (same basis as /rankings/largest); and #29 of 66 within Colorado. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.46% net worth ratio and 2.05% delinquency rate are the key drivers.
How does AURORA compare to other credit unions?
PlainCU's health composite puts AURORA at 80/100, compared to a peer group average for $100M–$500M 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 AURORA?
AURORA serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact AURORA directly for the current list of qualifying groups.
Is my money safe at AURORA?
Federal credit unions like AURORA 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. AURORA's net worth ratio of 17.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AURORA offer compared to banks?
Credit unions like AURORA 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 AURORA 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.