Credit Union Safety Analysis
Is Credit Union of Denver Safe? Lakewood, Colorado
Based on its Q2 2026 NCUA 5300 call report, Credit Union of Denver has a net worth ratio of 12.64%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, 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 Denver's net worth ratio is 12.64%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.64%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 0.70%
- Loan-to-share ratio (Q2 2026): 73.30%
Credit Union of Denver (NCUA charter 64342, established 1931) reported $1.18B in assets and 76,333 members for Q2 2026 from Lakewood, Colorado. It ranks 8 of 61 credit unions in Colorado by total assets. Total assets fell 0.5% from $1.19B on June 30, 2025. It has 1,248 more members than on June 30, 2025 (+1.7%). Its net worth ratio was up 0.47 percentage points from 12.17% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $367.0M of $771.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% is below 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: 12.32% for Q1 2026; 12.17% 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: 0.42% for Q1 2026; 0.93% 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: 0.56% for Q1 2026; 0.31% 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: 71.61% for Q1 2026; 71.95% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $367.0M
- Used vehicle loans: $242.0M
- Commercial loans: $89.8M
- Unsecured credit card loans: $22.5M
- New vehicle loans: $19.4M
- Other unsecured loans and lines of credit: $16.1M
- Other secured non-real estate loans and lines of credit: $14.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.18B | 12.64% | 0.48% | 0.70% | 73.30% |
| March 31, 2026 | $1.19B | 12.32% | 0.42% | 0.56% | 71.61% |
| December 31, 2025 | $1.19B | 12.25% | 0.71% | -0.19% | 71.56% |
| September 30, 2025 | $1.18B | 12.40% | 0.96% | 0.78% | 72.36% |
| June 30, 2025 | $1.19B | 12.17% | 0.93% | 0.31% | 71.95% |
| March 31, 2025 | $1.20B | 11.98% | 0.89% | 0.28% | 70.71% |
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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.
Credit Union of Denver profile
Regulator records: NCUA credit union profile (charter 64342) · FFIEC NIC profile (RSSD 466099)
Frequently asked questions
Is Credit Union of Denver well capitalized?
On its Q2 2026 NCUA 5300 call report, Credit Union of Denver's net worth ratio is 12.64%, above the 7% NCUA threshold for well capitalized.
Is Credit Union of Denver FDIC insured?
No. The FDIC insures banks, not credit unions. Credit Union of Denver is a federally insured credit union (NCUA charter 64342): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Credit Union of Denver's key safety ratios?
For Q2 2026, Credit Union of Denver reports net worth 12.64%, delinquency 0.48%, ROA 0.70%, loan-to-share 73.30%.
What happens to my money if Credit Union of Denver fails?
For Q2 2026, Credit Union of Denver held $1.05B in shares and deposits for 76,333 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.