Federal credit union · ARVADA, Colorado · NCUA charter #8701
ELECTRICAL
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $52.2M
- Total assets
- 4,030
- Members
- 13.1%
- Net-worth ratio
ELECTRICAL scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $52.2M; members 4,030; net-worth ratio 13.12%; health rank #1,246 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,246 of 4,374 health · 2025Q4ELECTRICAL · health 89/100 · $52.2M · 2025Q4
Call Report peers
ELECTRICAL in the assets neighbourhood
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ELECTRICAL vs every NCUA-scored credit union
ELECTRICAL sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ELECTRICAL vs $50M–$100M peers
- Return on Assets leads the peer set - 0.91% here, 0.66% peer average (+0.25 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.72 pp (54.88% vs 62.60%).
Colorado standing for ELECTRICAL
- Health composite ranks #20 of 66 among scored Colorado credit unions.
- Colorado assets place: #47 of 66.
- Membership ranks #43 of 66 among Colorado CUs with a reported count (4,030 members).
- One place up in Colorado, School District 3 (#19) scores 90/100, 1 point higher; one place down, Yuma County (#21) ties at 89/100.
How ELECTRICAL's 5300 filing moved
ELECTRICAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $52.2M (2025Q4) to $53.2M (2026Q1).
- Net-worth ratio shifted -0.02 pp (13.14% → 13.12%).
At 13.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
ELECTRICAL gives up 11 points in total. Delinquency Rate costs the most, 4.4 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 11.9 pts
ELECTRICAL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.12% | -0.50 pp |
| Delinquency Rate | 0.94% | -0.03 pp |
| Return on Assets | 0.91% | +0.25 pp |
| Member Growth | 2.08% | - |
| Loan-to-Share Ratio | 54.88% | -7.72 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $53.2M | - |
| 2025Q4 | $52.2M | 4,030 |
| 2024Q4 | $50.7M | 3,948 |
| 2023Q4 | $49.4M | 4,101 |
Credit Union Details
- Charter Number
- 8701
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- ARVADA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, ELECTRICAL runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Branch (Main Office) | Arvada, CO |
| DedaSphere | Hoover, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
ELECTRICAL nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- ELECTRICAL ranks #1,246 of 4,374 nationally on financial health and #20 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Yuma County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Yuma County
Frequently Asked Questions
Is ELECTRICAL financially healthy?
On its 2025Q4 NCUA 5300 filing, ELECTRICAL scores 89/100 (Excellent), with a 13.12% net worth ratio and 0.94% of loans delinquent. It ranks #1,246 of 4,374 nationally on health and #20 of 66 in Colorado.
How does ELECTRICAL compare to other credit unions?
ELECTRICAL scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (0.91% vs 0.66%). Its widest shortfall is loan-to-share ratio (54.88% vs 62.60%).
How can I join ELECTRICAL?
ELECTRICAL 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 ELECTRICAL directly for the exact boundaries and application steps.
Is my money safe at ELECTRICAL?
ELECTRICAL 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. ELECTRICAL's net worth ratio of 13.12% 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.