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
- CAMELS 79/100
- HEALTH 10.0%
- NW 0.81%
- DELQ 0.22%
- ROA $74.1M
- ASSETS 4,332
- MEM #2,887/4,374
- RANK First Priority
- PHOTO 24381
Call Report peers
Delta County in the assets neighbourhood
Delta County's $74.1M assets sit next to First Priority ($74.0M) 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.
Delta County 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
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
Delta County - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24381: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Delta County Call Report trajectory
Delta County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.5% from $74.1M (2025Q4) to $72.3M (2026Q1).
- Net-worth ratio shifted +0.49 pp (9.50% → 9.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
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).
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
Cross-state asset and health neighbours for Delta County - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($74.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 Delta County financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Delta County carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,887 of 4,374; by total assets it ranks #2,080 of 4,374 nationally (same basis as /rankings/largest); and #41 of 66 within Colorado. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.99% net worth ratio and a 0.81% delinquency rate.
How does Delta County compare to other credit unions?
PlainCU's health composite puts Delta County at 79/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Delta County 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. Delta County's net worth ratio of 9.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Delta County offer compared to banks?
Credit unions like Delta County 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 Delta County 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.