Credit Union Safety Analysis
Is Foothills Credit Union Safe? Lakewood, Colorado
Based on its Q2 2026 NCUA 5300 call report, Foothills Credit Union has a net worth ratio of 7.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.77%, 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, Foothills Credit Union's net worth ratio is 7.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.38%
- Delinquency ratio (60+ days) (Q2 2026): 1.77%
- Return on assets (Q2 2026): 0.14%
- Loan-to-share ratio (Q2 2026): 77.98%
Foothills Credit Union (NCUA charter 67181, established 1946) reported $165.6M in assets and 11,223 members for Q2 2026 from Lakewood, Colorado. It ranks 25 of 61 credit unions in Colorado by total assets. Total assets grew 3.9% from $159.5M on June 30, 2025. It has 91 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was down 0.13 percentage points from 7.51% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $78.5M of $118.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.77% 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: 7.45% for Q1 2026; 7.51% 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: 0.88% for Q1 2026; 0.98% 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: 0.11% for Q1 2026; -0.58% 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: 80.01% for Q1 2026; 78.78% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $78.5M
- Used vehicle loans: $19.2M
- Commercial loans: $13.9M
- New vehicle loans: $2.1M
- Other unsecured loans and lines of credit: $2.0M
- Other secured non-real estate loans and lines of credit: $1.4M
- Unsecured credit card loans: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $165.6M | 7.38% | 1.77% | 0.14% | 77.98% |
| March 31, 2026 | $163.3M | 7.45% | 0.88% | 0.11% | 80.01% |
| December 31, 2025 | $163.7M | 7.41% | 1.15% | 0.22% | 77.46% |
| September 30, 2025 | $160.2M | 7.51% | 1.90% | 0.16% | 79.45% |
| June 30, 2025 | $159.5M | 7.51% | 0.98% | -0.58% | 78.78% |
| March 31, 2025 | $161.5M | 7.56% | 1.00% | 0.16% | 76.77% |
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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.
Foothills Credit Union profile
Regulator records: NCUA credit union profile (charter 67181) · FFIEC NIC profile (RSSD 731573)
Frequently asked questions
Is Foothills Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Foothills Credit Union's net worth ratio is 7.38%, above the 7% NCUA threshold for well capitalized.
Is Foothills Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Foothills Credit Union is a federally insured credit union (NCUA charter 67181): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Foothills Credit Union's key safety ratios?
For Q2 2026, Foothills Credit Union reports net worth 7.38%, delinquency 1.77%, ROA 0.14%, loan-to-share 77.98%.
What happens to my money if Foothills Credit Union fails?
For Q2 2026, Foothills Credit Union held $151.6M in shares and deposits for 11,223 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.