Federal credit union · Holyoke, Colorado · NCUA charter #2818
Holyoke Community
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $47.6M
- Total assets
- 2,922
- Members
- 8.0%
- Net-worth ratio
Holyoke Community scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.6M; members 2,922; net-worth ratio 7.95%; health rank #2,664 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,664 of 4,374 health · 2025Q4Holyoke Community · health 81/100 · $47.6M · 2025Q4
- ROA 81/100
- ASSETS 8.0%
- MEM 0.89%
- RANK 0.34%
- PHOTO $47.6M
- BOOK 2,922
- CHARTER #2,664/4,374
- NCUSIF DESERTVIEW
- CAMELS 2818
Call Report peers
Holyoke Community in the assets neighbourhood
Holyoke Community's $47.6M assets sit next to DESERTVIEW ($47.6M) 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.
Holyoke Community 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
81 39th percentile higher than 39% 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
Holyoke Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2818 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Holyoke Community: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +7.70 pp (67.50% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -6.91 pp (7.95% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Holyoke Community in Colorado
- In Colorado, health place is #43 of 66 on the same NCUA-ratio sort used nationally.
- Assets rank #49 of 66 inside Colorado ($47.6M reported).
- Colorado membership ordinal: #51 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.
How Holyoke Community's 5300 filing moved
Holyoke Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $47.6M (2025Q4) to $50.1M (2026Q1).
- Net-worth ratio shifted -0.16 pp (8.11% → 7.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 24.9 pts
- Delinquency Rate 21.1 pts
- Return on Assets 12.6 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 14.9 pts
Holyoke Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.95% | -6.91 pp |
| Delinquency Rate | 0.89% | -0.26 pp |
| Return on Assets | 0.34% | -0.37 pp |
| Member Growth | -0.81% | - |
| Loan-to-Share Ratio | 67.50% | +7.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Holyoke Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.1M | - |
| 2025Q4 | $47.6M | 2,922 |
| 2024Q4 | $43.6M | 2,946 |
| 2023Q4 | $42.4M | 2,916 |
Credit Union Details
- Charter Number
- 2818
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Colorado
- City
- Holyoke
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Holyoke Community runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Holyoke Office (Main Office) | Holyoke, CO |
| Imperial Office | Imperial, NE |
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.
Other-state peers near Holyoke Community
Cross-state asset and health neighbours for Holyoke Community - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Holyoke Community ranks #2,664 of 4,374 nationally on financial health and #43 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pueblo Government Agencies is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pueblo Government Agencies
- 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 Holyoke Community financially healthy?
Holyoke Community has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,664 of 4,374; by total assets it ranks #2,440 of 4,374 nationally (same basis as /rankings/largest); and #49 of 66 within Colorado. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.95% and delinquency rate of 0.89%.
How does Holyoke Community compare to other credit unions?
81/100 is Holyoke Community's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Holyoke Community?
Holyoke Community 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 Holyoke Community directly for the exact boundaries and application steps.
Is my money safe at Holyoke Community?
Federal credit unions like Holyoke Community 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. Holyoke Community's net worth ratio of 7.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Holyoke Community offer compared to banks?
Credit unions like Holyoke Community 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 Holyoke Community 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.