State credit union · LONE TREE, Colorado · NCUA charter #64778
Canvas
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $5.01B
- Total assets
- 318,921
- Members
- 9.3%
- Net-worth ratio
Canvas - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64778, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Canvas - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)94
- Asset quality (delinquency)75
- Earnings (ROA)97
- Member growth96
- Liquidity (loan-to-share)72
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.32% 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 | 9.32% | 30% |
| Delinquency Rate | 1.15% | 25% |
| Return on Assets | 0.47% | 15% |
| Member Growth | 4.50% | 15% |
| Loan-to-Share Ratio | 99.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.01B | 318,921 |
| 2024Q4 | $4.59B | 305,175 |
| 2023Q4 | $4.37B | 293,966 |
Credit Union Details
- Charter Number
- 64778
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Colorado
- City
- LONE TREE
- Data Quarter
- 2025Q4
What This Data Says About Canvas
The five-factor composite scores Canvas at 87/100 (Excellent), reflecting a net worth ratio of 9.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in LONE TREE, Colorado, reports 318,921 members, $5.01B in total assets, and $4.46B in outstanding loans as of Q4 2025 under charter #64778 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.15% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 99.36% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.47% on net income of $23.8M 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 4.50%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 Canvas financially healthy?
Canvas has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.32% and delinquency rate of 1.15%.
How does Canvas compare to other credit unions?
On PlainCU's health composite, Canvas lands at 87/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Canvas?
Membership eligibility for Canvas depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Canvas directly for current membership requirements and application steps.
Is my money safe at Canvas?
Federal credit unions like Canvas 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. Canvas's net worth ratio of 9.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Canvas offer compared to banks?
Credit unions like Canvas 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 Canvas 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.