Federal credit union · Grand Junction, Colorado · NCUA charter #8725
COLORAMO
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $191.9M
- Total assets
- 12,755
- Members
- 9.0%
- Net-worth ratio
COLORAMO scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $191.9M; members 12,755; net-worth ratio 9.03%; health rank #1,343 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,343 of 4,374 health · 2025Q4COLORAMO · health 89/100 · $191.9M · 2025Q4
- BOOK 89/100
- CHARTER 9.0%
- NCUSIF 0.91%
- CAMELS 0.59%
- HEALTH $191.9M
- NW 12,755
- DELQ #1,343/4,374
- ROA Chattanooga Area Schools
- ASSETS 8725
Call Report peers
COLORAMO in the assets neighbourhood
COLORAMO's $191.9M assets sit next to Chattanooga Area Schools ($191.6M) 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.
COLORAMO 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
89 Top 31% higher than 69% 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
COLORAMO - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #8725. See our deposit-insurance coverage note.
Where COLORAMO diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +9.43 pp (81.63% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.03% vs peer 12.11% (-3.08 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
COLORAMO: in-state Call Report ranks
- In Colorado, health place is #22 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, COLORAMO is #22 of 66 in Colorado.
- Colorado membership ordinal: #20 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.
Quarter path for COLORAMO
COLORAMO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $191.9M (2025Q4) to $194.7M (2026Q1).
- Net-worth ratio shifted -0.17 pp (9.20% → 9.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 20.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.03% | -3.08 pp |
| Delinquency Rate | 0.91% | +0.02 pp |
| Return on Assets | 0.59% | -0.03 pp |
| Member Growth | 1.42% | - |
| Loan-to-Share Ratio | 81.63% | +9.43 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $194.7M | - |
| 2025Q4 | $191.9M | 12,755 |
| 2024Q4 | $181.6M | 12,577 |
| 2023Q4 | $174.5M | 12,299 |
Credit Union Details
- Charter Number
- 8725
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Grand Junction
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, COLORAMO runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Coloramo FCU (Main Office) | Grand Junction, CO |
| Fruita | Fruita, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for COLORAMO - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($191.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- COLORAMO ranks #1,343 of 4,374 nationally on financial health and #22 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FITZSIMONS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FITZSIMONS
- 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 COLORAMO financially healthy?
COLORAMO scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,343 of 4,374; by total assets it ranks #1,295 of 4,374 nationally (same basis as /rankings/largest); and #22 of 66 within Colorado. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.03% net worth ratio and a 0.91% delinquency rate.
How does COLORAMO compare to other credit unions?
COLORAMO scores 89/100 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 COLORAMO?
COLORAMO 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 COLORAMO directly for the exact boundaries and application steps.
Is my money safe at COLORAMO?
Federal credit unions like COLORAMO 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. COLORAMO's net worth ratio of 9.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COLORAMO offer compared to banks?
Credit unions like COLORAMO 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 COLORAMO 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.