State credit union · Commerce City, Colorado · NCUA charter #66012
Community Choice
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $96.9M
- Total assets
- 6,315
- Members
- 9.2%
- Net-worth ratio
Community Choice - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66012: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Community Choice - 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)93
- Asset quality (delinquency)73
- Earnings (ROA)100
- Member growth21
- Liquidity (loan-to-share)76
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.16% | 30% |
| Delinquency Rate | 1.23% | 25% |
| Return on Assets | 0.87% | 15% |
| Member Growth | -3.26% | 15% |
| Loan-to-Share Ratio | 53.95% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $96.9M | 6,315 |
| 2024Q4 | $97.1M | 6,528 |
| 2023Q4 | $98.9M | 6,947 |
Credit Union Details
- Charter Number
- 66012
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- Commerce City
- Data Quarter
- 2025Q4
What This Data Says About Community Choice
Charter #66012, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Community Choice, a state credit union in Commerce City, Colorado with 6,315 members, $96.9M in total assets, and $42.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 76/100 (Very Good), helped by a net worth ratio of 9.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.23% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 53.95% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.87% on net income of $840K 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 -3.26%. 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
More federally-insured credit unions based in Colorado, ordered by peer group match 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 Community Choice financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - Community Choice's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.16% net worth ratio and 1.23% delinquency rate are the key drivers.
How does Community Choice compare to other credit unions?
Five weighted metrics from NCUA filings produce Community Choice's 76/100 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 Community Choice?
Membership eligibility for Community Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Choice directly for current membership requirements and application steps.
Is my money safe at Community Choice?
Federal credit unions like Community Choice 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. Community Choice's net worth ratio of 9.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Choice offer compared to banks?
Credit unions like Community Choice 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 Community Choice 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.