Federal credit union · Denver, Colorado · NCUA charter #24854
Credit Union of Colorado, a
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $2.63B
- Total assets
- 168,239
- Members
- 10.0%
- Net-worth ratio
Credit Union of Colorado, a - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24854: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Credit Union of Colorado, a - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth9
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.96% 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 | 9.96% | 30% |
| Delinquency Rate | 0.75% | 25% |
| Return on Assets | 0.96% | 15% |
| Member Growth | -4.27% | 15% |
| Loan-to-Share Ratio | 75.44% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.63B | 168,239 |
| 2024Q4 | $2.50B | 175,742 |
| 2023Q4 | $2.84B | 168,332 |
Credit Union Details
- Charter Number
- 24854
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Colorado
- City
- Denver
- Data Quarter
- 2025Q4
What This Data Says About Credit Union of Colorado, a
168,239 members and $2.63B in total assets sit behind Credit Union of Colorado, a, a federal credit union in Denver, Colorado, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $1.76B in outstanding loans as of Q4 2025 and a net worth ratio of 9.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24854 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.75% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 75.44% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.96% on net income of $25.2M 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 -4.27%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Credit Union of Colorado, a financially healthy?
A 9.96% net worth ratio and a 0.75% delinquency rate feed into Credit Union of Colorado, a's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Credit Union of Colorado, a compare to other credit unions?
PlainCU's health composite puts Credit Union of Colorado, a at 84/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Credit Union of Colorado, a?
Credit Union of Colorado, a serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Credit Union of Colorado, a directly for the current list of qualifying groups.
Is my money safe at Credit Union of Colorado, a?
Federal credit unions like Credit Union of Colorado, a 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. Credit Union of Colorado, a's net worth ratio of 9.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of Colorado, a offer compared to banks?
Credit unions like Credit Union of Colorado, a 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 Credit Union of Colorado, a 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.