Credit Union Safety Analysis
Is Fellowship Credit Union Safe? Lamar, Colorado
Based on its Q2 2026 NCUA 5300 call report, Fellowship Credit Union has a net worth ratio of 11.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, 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, Fellowship Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.10%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 1.34%
- Loan-to-share ratio (Q2 2026): 99.04%
Fellowship Credit Union (NCUA charter 64852, established 1959) reported $64.6M in assets and 7,228 members for Q2 2026 from Lamar, Colorado. It ranks 43 of 61 credit unions in Colorado by total assets. Total assets grew 23.2% from $52.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.62% for Q1 2026; 9.80% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.90% for Q1 2026; 0.97% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.69% for Q1 2026; 1.45% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 94.48% for Q1 2026; 101.35% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $34.8M
- Used vehicle loans: $13.6M
- Commercial loans: $4.4M
- Other secured non-real estate loans and lines of credit: $1.2M
- New vehicle loans: $1.1M
- Other unsecured loans and lines of credit: $1.0M
- Unsecured credit card loans: $214K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $64.6M | 11.10% | 0.86% | 1.34% | 99.04% |
| March 31, 2026 | $65.5M | 10.62% | 0.90% | 0.69% | 94.48% |
| December 31, 2025 | $56.5M | 9.65% | 1.26% | 1.30% | 98.39% |
| September 30, 2025 | $54.1M | 9.73% | 1.16% | 0.92% | 102.31% |
| June 30, 2025 | $52.4M | 9.80% | 0.97% | 1.45% | 101.35% |
| March 31, 2025 | $52.1M | 9.51% | 0.12% | 0.79% | 98.35% |
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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.
Fellowship Credit Union profile
Regulator records: NCUA credit union profile (charter 64852) · FFIEC NIC profile (RSSD 245191)
Frequently asked questions
Is Fellowship Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Fellowship Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
Is Fellowship Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Fellowship Credit Union is a federally insured credit union (NCUA charter 64852): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Fellowship Credit Union's key safety ratios?
For Q2 2026, Fellowship Credit Union reports net worth 11.10%, delinquency 0.86%, ROA 1.34%, loan-to-share 99.04%.
What happens to my money if Fellowship Credit Union fails?
For Q2 2026, Fellowship Credit Union held $56.9M in shares and deposits for 7,228 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.