Credit Union Safety Analysis
Is Clean Energy Federal Credit Union Safe? Englewood, Colorado
Based on its Q2 2026 NCUA 5300 call report, Clean Energy Federal Credit Union has a net worth ratio of 9.81%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.74%, 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, Clean Energy Federal Credit Union's net worth ratio is 9.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.81%
- Delinquency ratio (60+ days) (Q2 2026): 0.74%
- Return on assets (Q2 2026): 0.01%
- Loan-to-share ratio (Q2 2026): 93.66%
Clean Energy Federal Credit Union (NCUA charter 24889, established 2018) reported $130.2M in assets and 13,375 members for Q2 2026 from Englewood, Colorado. It ranks 33 of 61 credit unions in Colorado by total assets. Total assets grew 17.6% from $110.7M on June 30, 2025. It has 1,481 more members than on June 30, 2025 (+12.5%). Its net worth ratio was down 1.81 percentage points from 11.62% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $93.7M of $105.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.74% 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: 10.04% for Q1 2026; 11.62% 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: 0.61% for Q1 2026; 0.30% 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: -0.41% for Q1 2026; -0.27% 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: 96.68% for Q1 2026; 62.70% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $93.7M
- Used vehicle loans: $3.9M
- Commercial loans: $3.3M
- New vehicle loans: $2.4M
- Other unsecured loans and lines of credit: $2.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $130.2M | 9.81% | 0.74% | 0.01% | 93.66% |
| March 31, 2026 | $127.1M | 10.04% | 0.61% | -0.41% | 96.68% |
| December 31, 2025 | $119.0M | 11.97% | 0.48% | -0.09% | 99.37% |
| September 30, 2025 | $113.7M | 13.65% | 0.39% | 0.18% | 75.67% |
| June 30, 2025 | $110.7M | 11.62% | 0.30% | -0.27% | 62.70% |
| March 31, 2025 | $87.5M | 14.80% | 0.14% | -1.80% | 74.60% |
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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.
Clean Energy Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24889) · FFIEC NIC profile (RSSD 5167065)
Frequently asked questions
Is Clean Energy Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Clean Energy Federal Credit Union's net worth ratio is 9.81%, above the 7% NCUA threshold for well capitalized.
Is Clean Energy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Clean Energy Federal Credit Union is a federally insured credit union (NCUA charter 24889): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Clean Energy Federal Credit Union's key safety ratios?
For Q2 2026, Clean Energy Federal Credit Union reports net worth 9.81%, delinquency 0.74%, ROA 0.01%, loan-to-share 93.66%.
What happens to my money if Clean Energy Federal Credit Union fails?
For Q2 2026, Clean Energy Federal Credit Union held $112.5M in shares and deposits for 13,375 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.