State credit union · GREELEY, Colorado · NCUA charter #65775
Northern Colorado
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $73.9M
- Total assets
- 3,127
- Members
- 10.9%
- Net-worth ratio
Northern Colorado scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.9M; members 3,127; net-worth ratio 10.90%; health rank #2,296 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,296 of 4,374 health · 2025Q4Northern Colorado · health 83/100 · $73.9M · 2025Q4
- RANK 83/100
- PHOTO 10.9%
- BOOK 0.50%
- CHARTER 0.08%
- NCUSIF $73.9M
- CAMELS 3,127
- HEALTH #2,296/4,374
- NW Hawaii First
- DELQ 65775
Call Report peers
Northern Colorado in the assets neighbourhood
Northern Colorado's $73.9M assets sit next to Hawaii First ($73.9M) 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.
Northern Colorado 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
83 46th percentile higher than 46% 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
Northern Colorado - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65775. See our deposit-insurance coverage note.
Where Northern Colorado diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 64.89% vs peer 62.60% (+2.29 pp).
- Net Worth Ratio trails the peer set - 10.90% here, 13.62% peer average (-2.72 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Colorado standing for Northern Colorado
- Colorado health ordinal: #33 of 66.
- Assets rank #42 of 66 inside Colorado ($73.9M reported).
- Membership ranks #47 of 66 among Colorado CUs with a reported count (3,127 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.
How Northern Colorado's 5300 filing moved
Northern Colorado: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $73.9M (2025Q4) to $75.4M (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.03% → 10.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.1 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 13.3 pts
Call Report ratios for Northern Colorado
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.90% | -2.72 pp |
| Delinquency Rate | 0.50% | -0.46 pp |
| Return on Assets | 0.08% | -0.58 pp |
| Member Growth | -1.36% | - |
| Loan-to-Share Ratio | 64.89% | +2.29 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).
Call Report history - Northern Colorado
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.4M | - |
| 2025Q4 | $73.9M | 3,127 |
| 2024Q4 | $78.1M | 3,170 |
| 2023Q4 | $78.4M | 3,304 |
Credit Union Details
- Charter Number
- 65775
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- GREELEY
- Data Quarter
- 2025Q4
Branch Locations (2)
Northern Colorado operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 2901 Branch (Main Office) | GREELEY, CO |
| Berthoud | Berthoud, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Northern Colorado, 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 ($73.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Northern Colorado ranks #2,296 of 4,374 nationally on financial health and #33 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Delta County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Delta 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 Northern Colorado financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Northern Colorado carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,296 of 4,374; by total assets it ranks #2,082 of 4,374 nationally (same basis as /rankings/largest); and #42 of 66 within Colorado. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.90% net worth ratio and a 0.50% delinquency rate.
How does Northern Colorado compare to other credit unions?
On PlainCU's health composite, Northern Colorado lands at 83/100, 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 Northern Colorado?
Membership eligibility for Northern Colorado depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northern Colorado directly for current membership requirements and application steps.
Is my money safe at Northern Colorado?
Federal credit unions like Northern Colorado 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. Northern Colorado's net worth ratio of 10.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Colorado offer compared to banks?
Credit unions like Northern Colorado 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 Northern Colorado 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.