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
Call Report peers
COLORAMO in the assets neighbourhood
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
COLORAMO sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Colorado, Yuma County (#21) ties at 89/100; one place down, Premier Members (#23) ties at 89/100.
Quarter path for COLORAMO
COLORAMO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $191.9M (2025Q4) to $194.7M (2026Q1).
- Net-worth ratio shifted -0.17 pp (9.20% → 9.03%).
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
COLORAMO gives up 11 points in total. Member Growth costs the most, 4.3 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is COLORAMO financially healthy?
COLORAMO has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,343 of 4,374 nationally on health and #22 of 66 in Colorado. Its net worth ratio is 9.03% and its delinquency rate 0.91%.
How does COLORAMO compare to other credit unions?
COLORAMO scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.63% vs 72.20%). Its widest shortfall is net worth ratio (9.03% vs 12.11%).
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?
COLORAMO is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.