Federal credit union · Montrose, Colorado · NCUA charter #16476
NUVISTA
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $168.9M
- Total assets
- 7,144
- Members
- 13.6%
- Net-worth ratio
NUVISTA scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $168.9M; members 7,144; net-worth ratio 13.57%; health rank #923 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#923 of 4,374 health · 2025Q4NUVISTA · health 91/100 · $168.9M · 2025Q4
- ROA 91/100
- ASSETS 13.6%
- MEM 0.24%
- RANK 2.96%
- PHOTO $168.9M
- BOOK 7,144
- CHARTER #923/4,374
- NCUSIF CORNERSTONE
- CAMELS 16476
Call Report peers
NUVISTA in the assets neighbourhood
NUVISTA's $168.9M assets sit next to CORNERSTONE ($168.8M) 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.
NUVISTA 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
91 Top 23% higher than 77% 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
NUVISTA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16476, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for NUVISTA
- Largest favorable gap: Return on Assets at 2.96% vs peer 0.62% (+2.33 pp).
- Largest lag: Loan-to-Share Ratio at 44.61% vs peer 72.20% (-27.59 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
NUVISTA: in-state Call Report ranks
- Colorado health ordinal: #16 of 66.
- Colorado assets place: #23 of 66.
- Membership ranks #31 of 66 among Colorado CUs with a reported count (7,144 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.
NUVISTA: 2025Q4 → 2026Q1
NUVISTA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $168.9M (2025Q4) to $177.7M (2026Q1).
- Net-worth ratio shifted -0.44 pp (14.01% → 13.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for NUVISTA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.57% | +1.46 pp |
| Delinquency Rate | 0.24% | -0.66 pp |
| Return on Assets | 2.96% | +2.33 pp |
| Member Growth | 1.82% | - |
| Loan-to-Share Ratio | 44.61% | -27.59 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).
Call Report history - NUVISTA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $177.7M | - |
| 2025Q4 | $168.9M | 7,144 |
| 2024Q4 | $155.1M | 7,016 |
| 2023Q4 | $141.6M | 7,185 |
Credit Union Details
- Charter Number
- 16476
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Montrose
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, NUVISTA runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Montrose, CO |
| Disaster | Gunnison, CO |
| Gunnison | Gunnison, 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.
NUVISTA nationwide neighbourhoods
Two NCUA Call Report peer sets for NUVISTA, 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 ($168.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- NUVISTA ranks #923 of 4,374 nationally on financial health and #16 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 NUVISTA financially healthy?
NUVISTA scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #923 of 4,374; by total assets it ranks #1,405 of 4,374 nationally (same basis as /rankings/largest); and #23 of 66 within Colorado. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.57% net worth ratio and a 0.24% delinquency rate.
How does NUVISTA compare to other credit unions?
NUVISTA scores 91/100 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 NUVISTA?
NUVISTA 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 NUVISTA directly for the exact boundaries and application steps.
Is my money safe at NUVISTA?
Federal credit unions like NUVISTA 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. NUVISTA's net worth ratio of 13.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NUVISTA offer compared to banks?
Credit unions like NUVISTA 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 NUVISTA 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.