State credit union · Wheat Ridge, Colorado · NCUA charter #67181
FOOTHILLS
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $163.7M
- Total assets
- 11,225
- Members
- 7.4%
- Net-worth ratio
FOOTHILLS scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $163.7M; members 11,225; net-worth ratio 7.45%; health rank #3,438 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,438 of 4,374 health · 2025Q4FOOTHILLS · health 73/100 · $163.7M · 2025Q4
- BOOK 73/100
- CHARTER 7.4%
- NCUSIF 1.15%
- CAMELS 0.15%
- HEALTH $163.7M
- NW 11,225
- DELQ #3,438/4,374
- ROA ALTERNATIVES
- ASSETS 67181
Call Report peers
FOOTHILLS in the assets neighbourhood
FOOTHILLS's $163.7M assets sit next to ALTERNATIVES ($163.8M) 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.
FOOTHILLS 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
73 21st percentile higher than 21% 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
FOOTHILLS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67181. See our deposit-insurance coverage note.
Where FOOTHILLS diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 77.46% vs peer 72.20% (+5.26 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.66 pp (7.45% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FOOTHILLS in Colorado
- Health composite ranks #52 of 66 among scored Colorado credit unions.
- Assets rank #25 of 66 inside Colorado ($163.7M reported).
- Membership ranks #24 of 66 among Colorado CUs with a reported count (11,225 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.
FOOTHILLS: 2025Q4 → 2026Q1
FOOTHILLS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $163.7M (2025Q4) to $163.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (7.41% → 7.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 23.6 pts
- Delinquency Rate 18.9 pts
- Return on Assets 9.8 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 14.7 pts
FOOTHILLS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.45% | -4.66 pp |
| Delinquency Rate | 1.15% | +0.26 pp |
| Return on Assets | 0.15% | -0.47 pp |
| Member Growth | -1.69% | - |
| Loan-to-Share Ratio | 77.46% | +5.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
FOOTHILLS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $163.3M | - |
| 2025Q4 | $163.7M | 11,225 |
| 2024Q4 | $161.3M | 11,418 |
| 2023Q4 | $153.2M | 11,476 |
Credit Union Details
- Charter Number
- 67181
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Wheat Ridge
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for FOOTHILLS, spread across 3 cities.
| Office | City |
|---|---|
| Foothills Credit Union - Clear Creek Crossing Branch (Main Office) | Wheat Ridge, CO |
| Foothills Credit Union | Lakewood, CO |
| Foothills Credit Union/Loveland Branch SIte | Loveland, 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 FOOTHILLS
Two NCUA Call Report peer sets for FOOTHILLS, both outside Colorado so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($163.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- FOOTHILLS ranks #3,438 of 4,374 nationally on financial health and #52 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Space Age is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Space Age
- 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 FOOTHILLS financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - FOOTHILLS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,438 of 4,374; by total assets it ranks #1,428 of 4,374 nationally (same basis as /rankings/largest); and #25 of 66 within Colorado. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.45% net worth ratio and 1.15% delinquency rate are the key drivers.
How does FOOTHILLS compare to other credit unions?
FOOTHILLS scores 73/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 FOOTHILLS?
Membership eligibility for FOOTHILLS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FOOTHILLS directly for current membership requirements and application steps.
Is my money safe at FOOTHILLS?
Federal credit unions like FOOTHILLS 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. FOOTHILLS's net worth ratio of 7.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FOOTHILLS offer compared to banks?
Credit unions like FOOTHILLS 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 FOOTHILLS 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.