State credit union · Littleton, Colorado · NCUA charter #68560
Red Rocks
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $350.4M
- Total assets
- 18,086
- Members
- 9.1%
- Net-worth ratio
Red Rocks - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68560 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Red Rocks - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)92
- Earnings (ROA)64
- Member growth76
- Liquidity (loan-to-share)95
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.11% | 30% |
| Delinquency Rate | 0.71% | 25% |
| Return on Assets | 0.14% | 15% |
| Member Growth | 1.96% | 15% |
| Loan-to-Share Ratio | 91.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $350.4M | 18,086 |
| 2024Q4 | $330.0M | 17,739 |
| 2023Q4 | $326.5M | 17,464 |
Credit Union Details
- Charter Number
- 68560
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Littleton
- Data Quarter
- 2025Q4
What This Data Says About Red Rocks
Charter #68560, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Red Rocks, a state credit union in Littleton, Colorado with 18,086 members, $350.4M in total assets, and $271.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 86/100 (Excellent), helped by a net worth ratio of 9.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.71% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 91.53% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.14% on net income of $496K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.96%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Red Rocks financially healthy?
Red Rocks scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.11% net worth ratio and a 0.71% delinquency rate.
How does Red Rocks compare to other credit unions?
86/100 is Red Rocks's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Red Rocks?
Membership eligibility for Red Rocks depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Red Rocks directly for current membership requirements and application steps.
Is my money safe at Red Rocks?
Federal credit unions like Red Rocks 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. Red Rocks's net worth ratio of 9.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Red Rocks offer compared to banks?
Credit unions like Red Rocks 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 Red Rocks directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.