Credit Union Safety Analysis
Is Climb Credit Union Safe? Arvada, Colorado
Based on its Q2 2026 NCUA 5300 call report, Climb Credit Union has a net worth ratio of 11.63%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.39%, 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, Climb Credit Union's net worth ratio is 11.63%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.63%
- Delinquency ratio (60+ days) (Q2 2026): 1.39%
- Return on assets (Q2 2026): 0.68%
- Loan-to-share ratio (Q2 2026): 99.25%
Climb Credit Union (NCUA charter 62776, established 1951) reported $822.8M in assets and 42,718 members for Q2 2026 from Arvada, Colorado. It ranks 9 of 61 credit unions in Colorado by total assets. Total assets grew 22.1% from $674.0M on June 30, 2025. It has 2,263 more members than on June 30, 2025 (+5.6%). Its net worth ratio was up 0.16 percentage points from 11.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $345.7M of $688.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.39% 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: 11.98% for Q1 2026; 11.47% 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: 1.56% for Q1 2026; 1.31% 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: 2.33% for Q1 2026; 0.23% 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: 97.73% for Q1 2026; 100.12% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $345.7M
- Used vehicle loans: $204.0M
- Commercial loans: $73.1M
- New vehicle loans: $25.5M
- Unsecured credit card loans: $7.7M
- Other unsecured loans and lines of credit: $7.0M
- Other secured non-real estate loans and lines of credit: $4.5M
- Non-federally guaranteed student loans: $355K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $822.8M | 11.63% | 1.39% | 0.68% | 99.25% |
| March 31, 2026 | $787.1M | 11.98% | 1.56% | 2.33% | 97.73% |
| December 31, 2025 | $694.8M | 11.14% | 1.64% | 0.01% | 101.95% |
| September 30, 2025 | $678.1M | 11.41% | 1.65% | 0.05% | 98.38% |
| June 30, 2025 | $674.0M | 11.47% | 1.31% | 0.23% | 100.12% |
| March 31, 2025 | $687.0M | 11.20% | 1.41% | 0.06% | 97.84% |
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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 62776) · FFIEC NIC profile (RSSD 860491)
Frequently asked questions
Is Climb Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Climb Credit Union's net worth ratio is 11.63%, above the 7% NCUA threshold for well capitalized.
Is Climb Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Climb Credit Union is a federally insured credit union (NCUA charter 62776): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Climb Credit Union's key safety ratios?
For Q2 2026, Climb Credit Union reports net worth 11.63%, delinquency 1.39%, ROA 0.68%, loan-to-share 99.25%.
What happens to my money if Climb Credit Union fails?
For Q2 2026, Climb Credit Union held $694.1M in shares and deposits for 42,718 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.