State credit union · Lamar, Colorado · NCUA charter #64852
Fellowship
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $56.5M
- Total assets
- 5,838
- Members
- 9.1%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)93
- Asset quality (delinquency)72
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)75
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.13% | 30% |
| Delinquency Rate | 1.26% | 25% |
| Return on Assets | 0.62% | 15% |
| Member Growth | -11.10% | 15% |
| Loan-to-Share Ratio | 98.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Fellowship
The five-factor composite scores Fellowship at 72/100 (Very Good), reflecting a net worth ratio of 9.13% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Lamar, Colorado, reports 5,838 members, $56.5M in total assets, and $49.8M in outstanding loans as of Q4 2025 under charter #64852 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
1.26% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 98.39% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.62% on net income of $350K 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 -11.10%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Fellowship financially healthy?
Fellowship scores 72/100 (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 9.13% 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 72/100, 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 9.13% 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.
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.