Credit Union Safety Analysis
Is Credit Union of Colorado, a Federal Credit Union Safe? Denver, Colorado
Based on its Q2 2026 NCUA 5300 call report, Credit Union of Colorado, a Federal Credit Union has a net worth ratio of 10.44%, 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, Credit Union of Colorado, a Federal Credit Union's net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.44%
- Delinquency ratio (60+ days) (Q2 2026): 0.74%
- Return on assets (Q2 2026): 0.73%
- Loan-to-share ratio (Q2 2026): 77.16%
Credit Union of Colorado, a Federal Credit Union (NCUA charter 24854, established 1934) reported $2.63B in assets and 171,255 members for Q2 2026 from Denver, Colorado. It ranks 6 of 61 credit unions in Colorado by total assets. Total assets grew 3.2% from $2.55B on June 30, 2025. It has 3,362 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.33 percentage points from 10.11% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $879.1M of $1.80B 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 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.14% for Q1 2026; 10.11% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.66% for Q1 2026; 0.69% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.32% for Q1 2026; 0.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 75.31% for Q1 2026; 74.42% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $879.1M
- Used vehicle loans: $632.0M
- Commercial loans: $119.9M
- Unsecured credit card loans: $108.6M
- Other unsecured loans and lines of credit: $33.9M
- New vehicle loans: $25.6M
- Other secured non-real estate loans and lines of credit: $4.6M
- Non-federally guaranteed student loans: $95K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.63B | 10.44% | 0.74% | 0.73% | 77.16% |
| March 31, 2026 | $2.66B | 10.14% | 0.66% | 0.32% | 75.31% |
| December 31, 2025 | $2.63B | 10.17% | 0.75% | 0.93% | 75.44% |
| September 30, 2025 | $2.58B | 10.17% | 0.63% | 0.72% | 74.84% |
| June 30, 2025 | $2.55B | 10.11% | 0.69% | 0.17% | 74.42% |
| March 31, 2025 | $2.58B | 9.96% | 0.76% | 0.26% | 72.59% |
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Free to use. It shows Credit Union of Colorado, a Federal Credit Union’s latest filed figures and updates each quarter.
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.
Credit Union of Colorado, a Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24854) · FFIEC NIC profile (RSSD 867995)
Frequently asked questions
Is Credit Union of Colorado, a Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Credit Union of Colorado, a Federal Credit Union's net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
Is Credit Union of Colorado, a Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Credit Union of Colorado, a Federal Credit Union is a federally insured credit union (NCUA charter 24854): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Credit Union of Colorado, a Federal Credit Union's key safety ratios?
For Q2 2026, Credit Union of Colorado, a Federal Credit Union reports net worth 10.44%, delinquency 0.74%, ROA 0.73%, loan-to-share 77.16%.
What happens to my money if Credit Union of Colorado, a Federal Credit Union fails?
For Q2 2026, Credit Union of Colorado, a Federal Credit Union held $2.34B in shares and deposits for 171,255 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.