State credit union · Commerce City, Colorado · NCUA charter #66012
Community Choice
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $96.9M
- Total assets
- 6,315
- Members
- 14.8%
- Net-worth ratio
Community Choice scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $96.9M; members 6,315; net-worth ratio 14.75%; health rank #2,957 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,957 of 4,374 health · 2025Q4Community Choice · health 78/100 · $96.9M · 2025Q4
- RANK 78/100
- PHOTO 14.8%
- BOOK 1.23%
- CHARTER 0.87%
- NCUSIF $96.9M
- CAMELS 6,315
- HEALTH #2,957/4,374
- NW Broward Healthcare
- DELQ 66012
Call Report peers
Community Choice in the assets neighbourhood
Community Choice's $96.9M assets sit next to Broward Healthcare ($96.9M) 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.
Community Choice 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
78 31st percentile higher than 31% 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
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 vs $50M–$100M peers
- Largest favorable gap: Net Worth Ratio at 14.75% vs peer 13.62% (+1.13 pp).
- Loan-to-Share Ratio trails the peer set - 53.95% here, 62.60% peer average (-8.65 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Community Choice sits in Colorado
- Health composite ranks #47 of 66 among scored Colorado credit unions.
- By total assets, Community Choice is #38 of 66 in Colorado.
- Membership ranks #35 of 66 among Colorado CUs with a reported count (6,315 members).
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 Community Choice
Community Choice: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $97.1M (2024Q4) to $96.9M (2025Q4).
- Membership moved -3.3% from 6,528 to 6,315 over the same window.
- Net-worth ratio shifted +0.21 pp (14.54% → 14.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.2 pts
- Return on Assets 15.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for Community Choice
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.75% | +1.13 pp |
| Delinquency Rate | 1.23% | +0.27 pp |
| Return on Assets | 0.87% | +0.21 pp |
| Member Growth | -3.26% | - |
| Loan-to-Share Ratio | 53.95% | -8.65 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).
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
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 Community Choice
Community Choice's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($96.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Community Choice ranks #2,957 of 4,374 nationally on financial health and #47 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 Community Choice financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Community Choice's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,957 of 4,374; by total assets it ranks #1,849 of 4,374 nationally (same basis as /rankings/largest); and #38 of 66 within Colorado. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.75% 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 78/100 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 14.75% 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.
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.