Federal credit union · JULESBURG, Colorado · NCUA charter #17250
CO-NE
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $4.6M
- Total assets
- 685
- Members
- 8.2%
- Net-worth ratio
CO-NE scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.6M; members 685; net-worth ratio 8.17%; health rank #3,787 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,787 of 4,374 health · 2025Q4CO-NE · health 67/100 · $4.6M · 2025Q4
- CAMELS 67/100
- HEALTH 8.2%
- NW 0.00%
- DELQ -0.82%
- ROA $4.6M
- ASSETS 685
- MEM #3,787/4,374
- RANK n/a
- PHOTO 17250
Call Report peers
CO-NE carries $4.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CO-NE 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
67 13th percentile higher than 13% 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
CO-NE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17250, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
CO-NE: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +2.44 pp (66.04% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -10.89 pp (8.17% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Colorado standing for CO-NE
- In Colorado, health place is #55 of 66 on the same NCUA-ratio sort used nationally.
- Assets rank #63 of 66 inside Colorado ($4.6M reported).
- Colorado membership ordinal: #61 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.
CO-NE Call Report trajectory
CO-NE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.2% from $4.6M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted +0.03 pp (8.14% → 8.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 13.9 pts
CO-NE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.17% | -10.89 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -0.82% | -1.27 pp |
| Member Growth | -3.52% | - |
| Loan-to-Share Ratio | 66.04% | +2.44 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
CO-NE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.5M | - |
| 2025Q4 | $4.6M | 685 |
| 2024Q4 | $4.6M | 710 |
| 2023Q4 | $5.3M | 717 |
Credit Union Details
- Charter Number
- 17250
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Colorado
- City
- JULESBURG
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, CO-NE runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| CO-NE (Main Office) | Julesburg, CO |
| AMI | Mount Pleasant, WI |
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for CO-NE, both outside Colorado so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- CO-NE ranks #3,787 of 4,374 nationally on financial health and #55 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OPTIONS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OPTIONS
- 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 CO-NE financially healthy?
CO-NE has a financial health score of 67/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,787 of 4,374; by total assets it ranks #3,925 of 4,374 nationally (same basis as /rankings/largest); and #63 of 66 within Colorado. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.17% and delinquency rate of 0.00%.
How does CO-NE compare to other credit unions?
Five weighted metrics from NCUA filings produce CO-NE's 67/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 CO-NE?
CO-NE 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 CO-NE directly for the exact boundaries and application steps.
Is my money safe at CO-NE?
Federal credit unions like CO-NE 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. CO-NE's net worth ratio of 8.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CO-NE offer compared to banks?
Credit unions like CO-NE 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 CO-NE 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.