State credit union · Lamar, Colorado · NCUA charter #64852
FELLOWSHIP
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $56.5M
- Total assets
- 5,838
- Members
- 10.6%
- Net-worth ratio
FELLOWSHIP scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $56.5M; members 5,838; net-worth ratio 10.62%; health rank #3,348 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,348 of 4,374 health · 2025Q4FELLOWSHIP · health 74/100 · $56.5M · 2025Q4
- MEM 74/100
- RANK 10.6%
- PHOTO 1.26%
- BOOK 0.62%
- CHARTER $56.5M
- NCUSIF 5,838
- CAMELS #3,348/4,374
- HEALTH Acme Continental
- NW 64852
Call Report peers
FELLOWSHIP in the assets neighbourhood
FELLOWSHIP's $56.5M assets sit next to Acme Continental ($56.5M) 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.
FELLOWSHIP 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
74 23rd percentile higher than 23% 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
FELLOWSHIP - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64852 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
FELLOWSHIP vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +35.79 pp (98.39% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -3.00 pp (10.62% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FELLOWSHIP in Colorado
- In Colorado, health place is #51 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, FELLOWSHIP is #45 of 66 in Colorado.
- Colorado membership ordinal: #38 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FELLOWSHIP: 2025Q4 → 2026Q1
FELLOWSHIP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +16.0% from $56.5M (2025Q4) to $65.5M (2026Q1).
- Net-worth ratio shifted +0.97 pp (9.65% → 10.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.1 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.9 pts
FELLOWSHIP health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.62% | -3.00 pp |
| Delinquency Rate | 1.26% | +0.30 pp |
| Return on Assets | 0.62% | -0.04 pp |
| Member Growth | -11.10% | - |
| Loan-to-Share Ratio | 98.39% | +35.79 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.5M | - |
| 2025Q4 | $56.5M | 5,838 |
| 2024Q4 | $50.5M | 6,567 |
| 2023Q4 | $43.7M | 5,889 |
Credit Union Details
- Charter Number
- 64852
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- Lamar
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, FELLOWSHIP runs 6 offices in 6 different cities.
| Office | City |
|---|---|
| Fellowship Credit Union (Main Office) | Lamar, CO |
| Fellowship Credit Union | Holly, CO |
| Fellowship Credit Union | La Junta, CO |
| Fellowship Credit Union | Las Animas, CO |
| Fellowship Credit Union | Rocky Ford, CO |
| Fellowship Credit Union - Walsenburg Branch | Walsenburg, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
FELLOWSHIP nationwide neighbourhoods
Cross-state asset and health neighbours for FELLOWSHIP - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($56.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- FELLOWSHIP ranks #3,348 of 4,374 nationally on financial health and #51 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
- 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 FELLOWSHIP financially healthy?
FELLOWSHIP scores 74/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,348 of 4,374; by total assets it ranks #2,308 of 4,374 nationally (same basis as /rankings/largest); and #45 of 66 within Colorado. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.62% net worth ratio and a 1.26% delinquency rate.
How does FELLOWSHIP compare to other credit unions?
On PlainCU's health composite, FELLOWSHIP lands at 74/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 FELLOWSHIP?
Membership eligibility for FELLOWSHIP depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FELLOWSHIP directly for current membership requirements and application steps.
Is my money safe at FELLOWSHIP?
Federal credit unions like FELLOWSHIP 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. FELLOWSHIP's net worth ratio of 10.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FELLOWSHIP offer compared to banks?
Credit unions like FELLOWSHIP 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 FELLOWSHIP 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.