State credit union · Golden, Colorado · NCUA charter #67226
Credit Union of the Rockies
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $116.9M
- Total assets
- 8,200
- Members
- 10.7%
- Net-worth ratio
Credit Union of the Rockies - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67226. See our deposit-insurance coverage note.
Credit Union of the Rockies - 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)100
- Asset quality (delinquency)85
- Earnings (ROA)67
- Member growth5
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.66% | 30% |
| Delinquency Rate | 0.88% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -4.61% | 15% |
| Loan-to-Share Ratio | 70.14% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $116.9M | 8,200 |
| 2024Q4 | $108.6M | 8,596 |
| 2023Q4 | $114.5M | 8,990 |
Credit Union Details
- Charter Number
- 67226
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Golden
- Data Quarter
- 2025Q4
What This Data Says About Credit Union of the Rockies
The five-factor composite scores Credit Union of the Rockies at 77/100 (Very Good), reflecting a net worth ratio of 10.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Golden, Colorado, reports 8,200 members, $116.9M in total assets, and $73.0M in outstanding loans as of Q4 2025 under charter #67226 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Deposits deployed into lending sit at a 70.14% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.88% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.17% on net income of $194K 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 -4.61%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) 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 the Rockies financially healthy?
Credit Union of the Rockies scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.66% net worth ratio and a 0.88% delinquency rate.
How does Credit Union of the Rockies compare to other credit unions?
PlainCU's health composite puts Credit Union of the Rockies at 77/100, compared to a peer group average for $100M–$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 the Rockies?
Membership eligibility for Credit Union of the Rockies depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union of the Rockies directly for current membership requirements and application steps.
Is my money safe at Credit Union of the Rockies?
Federal credit unions like Credit Union of the Rockies 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 the Rockies's net worth ratio of 10.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of the Rockies offer compared to banks?
Credit unions like Credit Union of the Rockies 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 the Rockies 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.