State overview · Q4 2025

Colorado Credit Unions

All 66 federally-insured credit unions in Colorado, ranked by financial health, from NCUA 5300 Call Reports.

66
Credit unions
2.5M
Members
$45.4B
Combined assets
81/100
Avg health
66 CUs · avg health 81/100

Colorado has 66 federally insured credit unions averaging 81/100 health on NCUA 5300 Call Report aggregates. Combined assets $45.4B; 45 score Excellent (80+). State leader: Guadalupe Parish at 100/100.

  • Mean delinquency rank #20 of 52 (lower DQ better)
  • Mean ROA rank #40 of 52
  • Data vintage 2026-09-06

Colorado vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

66 22nd of 54 higher than 31 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Colorado's 66 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)45 CUsGood (60–79)17 CUsFair (40–59)4 CUsWeak (<40)0 CUs

Colorado Call Report component averages

Mean NCUA 5300 ratios across 66 federally insured credit unions in Colorado, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.04%
National rank #20 of 52 · lower DQ better
Mean ROA
0.47%
National rank #40 of 52
Mean loan-to-share
72.0%
Mean net worth 12.0% · well-capitalized (≥7%) 93.9%
Largest CU share of state assets
21.9%
Dispersed book, largest charter holds under 25% of combined Colorado CU assets · concentration rank #24 of 52 (lower share = more dispersed) · largest by assets on this board: ENT

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Colorado is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Colorado vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Colorado highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Colorado vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CT - 13.48%, 1.48%DC - 14.99%, 2.364%FL - 12.31%, 0.745%HI - 13.78%, 1.224%IL - 15.55%, 1.098%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%CO - 11.98%, 1.045%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Colorado highlighted.

All Credit Unions in Colorado

Credit Union Health
Guadalupe Parish Antonito 100
COLORADO Littleton 99
Metrum Community Centennial 99
Partner Colorado Arvada 94
SUNWEST Pueblo 94
ENT Colorado Spring 93
Grand Junction Grand Junction 93
Minnequa Works Pueblo 93
Star Tech GREENWOOD VILLA 93
AFFIDIAN Denver 92
ELEVATIONS Boulder 92
Pikes Peak Colorado Spring 92
STERLING STERLING 92
Credit Union of Denver LAKEWOOD 91
Denver Fire Department Denver 91
NUVISTA Montrose 91
Rio Grande Grand Junction 91
San Juan Mountains Montrose 91
School District 3 Colorado Spring 90
COLORAMO Grand Junction 89
ELECTRICAL ARVADA 89
Premier Members Broomfield 89
Yuma County YUMA 89
CANVAS LONE TREE 88
Weld Community Greeley 87
Red Rocks Littleton 86
Moffat County Schools Craig 85
One Thirteen Colorado Spring 85
Credit Union of Colorado, a Denver 84
Denver Community Cu D.B.a. Zing Cu Denver 84
PEOPLES SPRINGFIELD 84
St. Michaels CRAIG 84
Northern Colorado GREELEY 83
On Tap Golden 82
Rio Blanco Schools Rangely 82
Sooper Cu Dba Climb Cu ARVADA 82
WESTERRA Denver 82
Clean Energy Englewood 81
Fort Morgan Schools Fort Morgan 81
Holyoke Community Holyoke 81
Horizons North Westminster 81
Pueblo Government Agencies Pueblo 81
WESTMINSTER Westminster 81
AURORA Aurora 80
BELLCO GREENWOOD VILLA 80
Delta County Delta 79
Air Academy Colorado Spring 78
Community Choice Commerce City 78
COLUMBINE Centennial 77
Credit Union of the Rockies Golden 77
FELLOWSHIP Lamar 74
FOOTHILLS Wheat Ridge 73
Fidelis Catholic Arvada 71
FITZSIMONS AURORA 69
CO-NE JULESBURG 67
POWER Pueblo 65
OLATHE Olathe 63
The District Aurora 63
Mountain River SALIDA 62
OPTIONS Littleton 62
Space Age Aurora 62
Valley Educators Alamosa 62
Haxtun Community Haxtun 57
AKRON Akron 56
ARAPAHOE Littleton 54
St. Mary Walsenburg 50

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.

What This Data Says About Credit Unions in Colorado

Colorado is home to 66 federally-insured credit unions collectively serving 2.5M members with $45.4B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 81/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Guadalupe Parish of Antonito currently leads the cohort with a health score of 100/100, while the full distribution spans 66 institutions ranked below.

The health distribution breaks into four bands: 45 credit unions score 80–100 (Excellent), 17 score 60–79 (Good), 4 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Colorado's 66 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Colorado: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($45.4B here).

Tennessee $47.3B Minnesota $43.5B Indiana $48.4B Ohio $49.7B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (66 here).

Iowa 66 CUs Connecticut 64 CUs Maryland 62 CUs Kansas 61 CUs

Frequently Asked Questions

How many credit unions are in Colorado?

There are 66 federally-insured credit unions in Colorado as of Q4 2025, with a combined 2.5M members and $45.4B in total assets. That places Colorado at #17 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Colorado ranks #29 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Colorado?

Based on NCUA Q4 2025 data, Guadalupe Parish in Antonito ranks highest in Colorado with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Colorado's data

  • Guadalupe Parish in Antonito is the healthiest scored credit union in Colorado at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Colorado's credit unions rank #20 of 52 nationally on delinquency rate (mid-pack) and #40 of 52 on return on assets (among the weakest) -- both factor into the health score above, but they can move independently. National health rankings
  • Colorado ranks #29 of 54 by average health score and #17 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.