Fellowship Credit Union Lamar, Colorado
Fellowship Credit Union is a state-chartered credit union headquartered in Lamar, CO, established in 1959 (NCUA charter 64852), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,228 members and total assets of $64.6M (up 23.2% from Q2 2025), the 43rd largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 11.10% at Q2 2026, in the well capitalized band.
Also written as Fellowship CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64852
- Headquarters
- Lamar, CO
- Established
- 1959
- Total assets, Q2 2026
- $64.6M
- Assets vs Q2 2025
- +23.2%
- Members, Q2 2026
- 7,228
- Net worth ratio, Q2 2026
- 11.10%
- Latest call report
- Q2 2026, NCUA 5300 · Fellowship Credit Union call report
- Asset rank in state
- 43rd of 61 in Colorado
- Routing number
- 302176904
- Branches
- 6
It has 1,279 more members than on June 30, 2025 (+21.5%). Its net worth ratio was up 1.30 percentage points from 9.80% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $34.8M of $56.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% matches the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.10% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Colorado
Credit unions merged into Fellowship Credit Union
Saint Mary Credit Union (2026) · Otero County Teachers Federal Credit Union (2024) · Arkansas Valley Federal Credit Union (2016)
Frequently asked about Fellowship Credit Union
How big is Fellowship Credit Union?
At Q2 2026 it reported total assets of $64.6M and 7,228 members.
Where is Fellowship Credit Union headquartered?
It is headquartered in Lamar, CO, United States.
When was Fellowship Credit Union founded?
It was established in 1959, per NCUA records.
Is Fellowship Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64852): 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 Fellowship Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Fellowship Credit Union well capitalized?
Its net worth ratio was 11.10% 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 Fellowship Credit Union's delinquency ratio?
Its delinquency ratio was 0.86% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Fellowship Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 99.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lamar, CO 81052
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1959
- NCUA Charter #
- 64852
- RSSD ID
- 245191
- Members
- 7,228
- Potential members
- 245,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.10% | 14.31% | 25th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.34% | 0.72% | 76th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 12.04% | 4.74% | 89th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.55% | 3.93% | 75th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 73.84% | 79.83% | 63rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.20% | 0.78% | 27th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.86% | 0.86% | 50th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.74% | 4.70% | 83rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 99.04% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$64.6M total assets against $52.4M; $56.9M total shares and deposits against $46.5M; $56.3M total loans against $47.1M.
$7.2M net worth against $5.1M.
11.10% net worth ratio against 9.80%.
99.04% loan-to-share ratio against 101.35%.
0.86% delinquency ratio against 0.97%.
1.34% return on assets against 1.45%; 12.04% return on equity against 14.76%.
4.55% net interest margin against 4.50%.
7,228 members against 5,949.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.10% | 1.34% | 0.86% | 99.04% |
| March 31, 2026 | 10.62% | 0.69% | 0.90% | 94.48% |
| December 31, 2025 | 9.65% | 1.30% | 1.26% | 98.39% |
| September 30, 2025 | 9.73% | 0.92% | 1.16% | 102.31% |
| June 30, 2025 | 9.80% | 1.45% | 0.97% | 101.35% |
| March 31, 2025 | 9.51% | 0.79% | 0.12% | 98.35% |
Scroll sideways to see every column.
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.