Federal credit union · Centennial, Colorado · NCUA charter #11548
COLUMBINE
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $78.4M
- Total assets
- 6,651
- Members
- 11.9%
- Net-worth ratio
COLUMBINE scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.4M; members 6,651; net-worth ratio 11.93%; health rank #3,100 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,100 of 4,374 health · 2025Q4COLUMBINE · health 77/100 · $78.4M · 2025Q4
- DELQ 77/100
- ROA 11.9%
- ASSETS 1.24%
- MEM 0.57%
- RANK $78.4M
- PHOTO 6,651
- BOOK #3,100/4,374
- CHARTER B-M S
- NCUSIF 11548
Call Report peers
COLUMBINE in the assets neighbourhood
COLUMBINE's $78.4M assets sit next to B-M S ($78.4M) 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.
COLUMBINE 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
77 28th percentile higher than 28% 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
COLUMBINE - Share Insurance Coverage
Charter #11548's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
COLUMBINE vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 63.23% here, 62.60% peer average (+0.63 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.69 pp (11.93% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where COLUMBINE sits in Colorado
- Health composite ranks #49 of 66 among scored Colorado credit unions.
- Assets rank #40 of 66 inside Colorado ($78.4M reported).
- Colorado membership ordinal: #34 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 COLUMBINE
COLUMBINE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $78.4M (2025Q4) to $78.5M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.99% → 11.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.8 pts
Call Report ratios for COLUMBINE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.93% | -1.69 pp |
| Delinquency Rate | 1.24% | +0.28 pp |
| Return on Assets | 0.57% | -0.08 pp |
| Member Growth | -17.83% | - |
| Loan-to-Share Ratio | 63.23% | +0.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
COLUMBINE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.5M | - |
| 2025Q4 | $78.4M | 6,651 |
| 2024Q4 | $76.5M | 8,094 |
| 2023Q4 | $80.5M | 8,439 |
Credit Union Details
- Charter Number
- 11548
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- Centennial
- Data Quarter
- 2025Q4
Branch Locations (2)
COLUMBINE operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Centennial, CO |
| CU Prodigy Cloud | Fort Collins, CO |
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.
Other-state peers near COLUMBINE
Cross-state asset and health neighbours for COLUMBINE - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($78.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- COLUMBINE ranks #3,100 of 4,374 nationally on financial health and #49 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rio Grande is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rio Grande
- 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 COLUMBINE financially healthy?
COLUMBINE has a financial health score of 77/100 (Very 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 #3,100 of 4,374; by total assets it ranks #2,033 of 4,374 nationally (same basis as /rankings/largest); and #40 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 11.93% and delinquency rate of 1.24%.
How does COLUMBINE compare to other credit unions?
Five weighted metrics from NCUA filings produce COLUMBINE's 77/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 COLUMBINE?
COLUMBINE 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 COLUMBINE directly for the exact boundaries and application steps.
Is my money safe at COLUMBINE?
Federal credit unions like COLUMBINE 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. COLUMBINE's net worth ratio of 11.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COLUMBINE offer compared to banks?
Credit unions like COLUMBINE 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 COLUMBINE 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.