Federal credit union · Grand Junction, Colorado · NCUA charter #11718
Grand Junction
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $112.1M
- Total assets
- 6,851
- Members
- 19.7%
- Net-worth ratio
Grand Junction scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $112.1M; members 6,851; net-worth ratio 19.66%; health rank #570 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#570 of 4,374 health · 2025Q4Grand Junction · health 93/100 · $112.1M · 2025Q4
- RANK 93/100
- PHOTO 19.7%
- BOOK 0.85%
- CHARTER 0.84%
- NCUSIF $112.1M
- CAMELS 6,851
- HEALTH #570/4,374
- NW North Star
- DELQ 11718
Call Report peers
Grand Junction in the assets neighbourhood
Grand Junction's $112.1M assets sit next to North Star ($112.1M) 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.
Grand Junction 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
93 Top 16% higher than 84% 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
Grand Junction - Share Insurance Coverage
Charter #11718's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Grand Junction
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +7.55 pp (19.66% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 59.14% vs peer 72.20% (-13.06 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Grand Junction sits in Colorado
- In Colorado, health place is #7 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, Grand Junction is #35 of 66 in Colorado.
- Colorado membership ordinal: #32 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.
Grand Junction Call Report trajectory
Grand Junction: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $112.1M (2025Q4) to $114.2M (2026Q1).
- Net-worth ratio shifted -0.20 pp (19.86% → 19.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 14.0 pts
- Loan-to-Share Ratio 12.5 pts
Grand Junction health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.66% | +7.55 pp |
| Delinquency Rate | 0.85% | -0.04 pp |
| Return on Assets | 0.84% | +0.22 pp |
| Member Growth | 4.18% | - |
| Loan-to-Share Ratio | 59.14% | -13.06 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).
Grand Junction filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $114.2M | - |
| 2025Q4 | $112.1M | 6,851 |
| 2024Q4 | $105.6M | 6,576 |
| 2023Q4 | $89.7M | 5,334 |
Credit Union Details
- Charter Number
- 11718
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Grand Junction
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Grand Junction.
| Office | City |
|---|---|
| grand junction fcu (Main Office) | Grand Junction, CO |
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.
Other-state peers near Grand Junction
Cross-state asset and health neighbours for Grand Junction - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($112.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Grand Junction ranks #570 of 4,374 nationally on financial health and #7 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metrum Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metrum Community
- 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 Grand Junction financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Grand Junction'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 #570 of 4,374; by total assets it ranks #1,734 of 4,374 nationally (same basis as /rankings/largest); and #35 of 66 within Colorado. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.66% net worth ratio and 0.85% delinquency rate are the key drivers.
How does Grand Junction compare to other credit unions?
Grand Junction scores 93/100 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 Grand Junction?
Grand Junction 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 Grand Junction directly for the exact boundaries and application steps.
Is my money safe at Grand Junction?
Federal credit unions like Grand Junction 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. Grand Junction's net worth ratio of 19.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Grand Junction offer compared to banks?
Credit unions like Grand Junction 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 Grand Junction 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.