Federal credit union · YUMA, Colorado · NCUA charter #6424
Yuma County
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $52.8M
- Total assets
- 2,385
- Members
- 12.5%
- Net-worth ratio
Yuma County scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $52.8M; members 2,385; net-worth ratio 12.53%; health rank #1,259 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,259 of 4,374 health · 2025Q4Yuma County · health 89/100 · $52.8M · 2025Q4
- ROA 89/100
- ASSETS 12.5%
- MEM 0.00%
- RANK 0.79%
- PHOTO $52.8M
- BOOK 2,385
- CHARTER #1,259/4,374
- NCUSIF SEVENFOLD
- CAMELS 6424
Call Report peers
Yuma County in the assets neighbourhood
Yuma County's $52.8M assets sit next to SEVENFOLD ($52.8M) 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.
Yuma County 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
89 Top 31% higher than 69% 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
Yuma County - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6424 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Yuma County
- Delinquency Rate leads the peer set - 0.00% here, 0.96% peer average (-0.96 pp).
- Loan-to-Share Ratio trails the peer set - 48.89% here, 62.60% peer average (-13.71 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Yuma County in Colorado
- Colorado health ordinal: #21 of 66.
- By total assets, Yuma County is #46 of 66 in Colorado.
- Member book place in Colorado: #52 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.
Yuma County Call Report trajectory
Yuma County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $52.8M (2025Q4) to $53.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (12.45% → 12.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.53% | -1.09 pp |
| Delinquency Rate | 0.00% | -0.96 pp |
| Return on Assets | 0.79% | +0.13 pp |
| Member Growth | -0.29% | - |
| Loan-to-Share Ratio | 48.89% | -13.71 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).
Yuma County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $53.6M | - |
| 2025Q4 | $52.8M | 2,385 |
| 2024Q4 | $55.1M | 2,392 |
| 2023Q4 | $49.5M | 2,397 |
Credit Union Details
- Charter Number
- 6424
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- YUMA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Yuma County runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| YUMA COUNTY FEDERAL CREDIT UNION (Main Office) | YUMA, CO |
| Yuma County Federal Credit Union | WRAY, 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.
Cross-state Call Report peers for Yuma County
Two NCUA Call Report peer sets for Yuma County, 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 ($52.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Yuma County ranks #1,259 of 4,374 nationally on financial health and #21 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ELECTRICAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ELECTRICAL
- 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 Yuma County financially healthy?
Yuma County scores 89/100 (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 #1,259 of 4,374; by total assets it ranks #2,364 of 4,374 nationally (same basis as /rankings/largest); and #46 of 66 within Colorado. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.53% net worth ratio and a 0.00% delinquency rate.
How does Yuma County compare to other credit unions?
Yuma County scores 89/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Yuma County?
Yuma County 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 Yuma County directly for the exact boundaries and application steps.
Is my money safe at Yuma County?
Federal credit unions like Yuma County 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. Yuma County's net worth ratio of 12.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Yuma County offer compared to banks?
Credit unions like Yuma County 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 Yuma County 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.