Credit Union Safety Analysis
Is Arapahoe Credit Union Safe? Centennial, Colorado
Based on its Q2 2026 NCUA 5300 call report, Arapahoe Credit Union has a net worth ratio of 7.02%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.22%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Arapahoe Credit Union's net worth ratio is 7.02%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.02%
- Delinquency ratio (60+ days) (Q2 2026): 1.22%
- Return on assets (Q2 2026): 0.43%
- Loan-to-share ratio (Q2 2026): 65.11%
Arapahoe Credit Union (NCUA charter 64110, established 1938) reported $154.0M in assets and 9,225 members for Q2 2026 from Centennial, Colorado. It ranks 27 of 61 credit unions in Colorado by total assets. Total assets fell 1.4% from $156.2M on June 30, 2025. It has 1,057 fewer members than on June 30, 2025 (-10.3%). Its net worth ratio was up 0.35 percentage points from 6.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $48.2M of $93.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.22% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 6.77% for Q1 2026; 6.67% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.37% for Q1 2026; 1.71% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.22% for Q1 2026; -0.01% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 64.00% for Q1 2026; 68.19% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $48.2M
- Used vehicle loans: $34.2M
- Unsecured credit card loans: $3.0M
- Other secured non-real estate loans and lines of credit: $2.9M
- New vehicle loans: $2.7M
- Other unsecured loans and lines of credit: $1.1M
- Commercial loans: $865K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $154.0M | 7.02% | 1.22% | 0.43% | 65.11% |
| March 31, 2026 | $157.3M | 6.77% | 1.37% | 0.22% | 64.00% |
| December 31, 2025 | $156.5M | 6.75% | 2.27% | 0.99% | 64.92% |
| September 30, 2025 | $155.9M | 6.64% | 1.74% | -0.19% | 67.94% |
| June 30, 2025 | $156.2M | 6.67% | 1.71% | -0.01% | 68.19% |
| March 31, 2025 | $155.2M | 6.71% | 1.62% | -0.56% | 69.98% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 64110) · FFIEC NIC profile (RSSD 558891)
Frequently asked questions
Is Arapahoe Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Arapahoe Credit Union's net worth ratio is 7.02%, above the 7% NCUA threshold for well capitalized.
Is Arapahoe Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Arapahoe Credit Union is a federally insured credit union (NCUA charter 64110): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Arapahoe Credit Union's key safety ratios?
For Q2 2026, Arapahoe Credit Union reports net worth 7.02%, delinquency 1.22%, ROA 0.43%, loan-to-share 65.11%.
What happens to my money if Arapahoe Credit Union fails?
For Q2 2026, Arapahoe Credit Union held $143.1M in shares and deposits for 9,225 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.