Federal credit union · Delta, Colorado · NCUA charter #24381
Delta County
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $74.1M
- Total assets
- 4,332
- Members
- 10.0%
- Net-worth ratio
Delta County scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $74.1M; members 4,332; net-worth ratio 9.99%; health rank #2,887 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,887 of 4,374 health · 2025Q4Delta County · health 79/100 · $74.1M · 2025Q4
Call Report peers
Delta County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Delta County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Delta County sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Where Delta County diverges from peer averages
- Delinquency Rate leads the peer set - 0.81% here, 0.96% peer average (-0.15 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.05 pp (34.55% vs 62.60%).
Delta County in Colorado
- Health composite ranks #46 of 66 among scored Colorado credit unions.
- By total assets, Delta County is #41 of 66 in Colorado.
- Membership ranks #42 of 66 among Colorado CUs with a reported count (4,332 members).
- One place up in Colorado, BELLCO (#45) scores 80/100, 1 point higher; one place down, Community Choice (#47) scores 78/100, 1 point lower.
Delta County Call Report trajectory
Delta County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.5% from $74.1M (2025Q4) to $72.3M (2026Q1).
- Net-worth ratio shifted +0.49 pp (9.50% → 9.99%).
At 9.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Delta County gives up 21 points in total. Member Growth costs the most, 7.7 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.9 pts
- Return on Assets 10.9 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 8.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.99% | -3.63 pp |
| Delinquency Rate | 0.81% | -0.15 pp |
| Return on Assets | 0.22% | -0.43 pp |
| Member Growth | -0.96% | - |
| Loan-to-Share Ratio | 34.55% | -28.05 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Delta County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.3M | - |
| 2025Q4 | $74.1M | 4,332 |
| 2024Q4 | $73.5M | 4,374 |
| 2023Q4 | $79.8M | 4,609 |
Credit Union Details
- Charter Number
- 24381
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- Delta
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Delta County runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Delta County FCU Main Branch (Main Office) | Delta, CO |
| Delta County FCU-Hotchkiss | Hotchkiss, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Delta County
Similar total assets
Similar health score
Using this data
- Delta County ranks #2,887 of 4,374 nationally on financial health and #46 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Colorado is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Colorado
Frequently Asked Questions
Is Delta County financially healthy?
On its 2025Q4 NCUA 5300 filing, Delta County scores 79/100 (Very Good), with a 9.99% net worth ratio and 0.81% of loans delinquent. It ranks #2,887 of 4,374 nationally on health and #46 of 66 in Colorado.
How does Delta County compare to other credit unions?
Delta County scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.81% vs 0.96%). Its widest shortfall is loan-to-share ratio (34.55% vs 62.60%).
How can I join Delta County?
Delta County 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 Delta County directly for the exact boundaries and application steps.
Is my money safe at Delta County?
Delta County is a federal credit union; its shares are federally 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. Delta County's net worth ratio of 9.99% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.