Aurora Federal Credit Union Aurora, Colorado
Aurora Federal Credit Union is a federal credit union headquartered in Aurora, CO, established in 1968 (NCUA charter 18574), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,423 members and total assets of $139.7M (up 2.6% from Q2 2025), the 30th largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 17.83% at Q2 2026, in the well capitalized band.
Also written as Aurora FCU
BankRegReports is independent of Aurora Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 18574
- Headquarters
- Aurora, CO
- Established
- 1968
- Total assets, Q2 2026
- $139.7M
- Assets vs Q2 2025
- +2.6%
- Members, Q2 2026
- 7,423
- Net worth ratio, Q2 2026
- 17.83%
- Latest call report
- Q2 2026, NCUA 5300 · Aurora Federal Credit Union call report
- Asset rank in state
- 30th of 61 in Colorado
- Routing number
- 307074454
- Branches
- 2
It has 41 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was down 0.03 percentage points from 17.86% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $39.7M of $66.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.46% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 17.83% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Colorado
Frequently asked about Aurora Federal Credit Union
How big is Aurora Federal Credit Union?
At Q2 2026 it reported total assets of $139.7M and 7,423 members.
Where is Aurora Federal Credit Union headquartered?
It is headquartered in Aurora, CO, United States.
When was Aurora Federal Credit Union founded?
It was established in 1968, per NCUA records.
Is Aurora Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 18574): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Aurora Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Aurora Federal Credit Union well capitalized?
Its net worth ratio was 17.83% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Aurora Federal Credit Union's delinquency ratio?
Its delinquency ratio was 3.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Aurora Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 57.85% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Aurora, CO 80012
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1968
- NCUA Charter #
- 18574
- RSSD ID
- 618580
- Members
- 7,423
- Potential members
- 189,942
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 17.83% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.51% | 0.81% | 30th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 2.93% | 7.02% | 18th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.59% | 3.70% | 43rd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 80.14% | 76.55% | 37th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.30% | 1.24% | 45th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 3.46% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.89% | 4.92% | 48th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 57.85% | 75.66% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$139.7M total assets against $136.1M; $114.9M total shares and deposits against $111.6M; $66.5M total loans against $74.2M.
$24.4M net worth against $24.3M.
17.83% net worth ratio against 17.86%.
57.85% loan-to-share ratio against 66.47%.
3.46% delinquency ratio against 1.48%.
0.51% return on assets against -0.66%; 2.93% return on equity against -3.71%.
3.59% net interest margin against 3.92%.
7,423 members against 7,464.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.83% | 0.51% | 3.46% | 57.85% |
| March 31, 2026 | 17.46% | 0.67% | 2.21% | 60.30% |
| December 31, 2025 | 17.79% | -0.77% | 2.05% | 63.73% |
| September 30, 2025 | 18.10% | -0.02% | 1.76% | 66.04% |
| June 30, 2025 | 17.86% | -0.66% | 1.48% | 66.47% |
| March 31, 2025 | 18.05% | 0.24% | 0.90% | 65.03% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.