Federal credit union · Aurora, Colorado · NCUA charter #14369
The District
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $152.9M
- Total assets
- 6,056
- Members
- 7.4%
- Net-worth ratio
The District - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #14369, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
The District - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)78
- Asset quality (delinquency)86
- Earnings (ROA)11
- Member growth9
- Liquidity (loan-to-share)95
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.41% | 30% |
| Delinquency Rate | 0.85% | 25% |
| Return on Assets | -0.31% | 15% |
| Member Growth | -4.25% | 15% |
| Loan-to-Share Ratio | 66.41% | 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 | $152.9M | 6,056 |
| 2024Q4 | $143.4M | 6,325 |
| 2023Q4 | $150.8M | 6,604 |
Credit Union Details
- Charter Number
- 14369
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Aurora
- Data Quarter
- 2025Q4
What This Data Says About The District
6,056 members and $152.9M in total assets sit behind The District, a federal credit union in Aurora, Colorado, which posts a health score of 62/100 (Good) on the five-factor composite, with $94.8M in outstanding loans as of Q4 2025 and a net worth ratio of 7.41% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #14369 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.85% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 66.41% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.31% on net income of $-474660 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 -4.25%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) 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 The District financially healthy?
Yes/no aside, the number is 62/100 (Good) - The District's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.41% net worth ratio and 0.85% delinquency rate are the key drivers.
How does The District compare to other credit unions?
On PlainCU's health composite, The District lands at 62/100, compared to a peer group average for $100M–$500M 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 The District?
The District 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 The District directly for the exact boundaries and application steps.
Is my money safe at The District?
Federal credit unions like The District 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. The District's net worth ratio of 7.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The District offer compared to banks?
Credit unions like The District 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 The District 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.