Meritrust Credit Union Boulder, Colorado
Meritrust Credit Union is a state-chartered credit union headquartered in Boulder, CO, established in 1959 (NCUA charter 62574), and it is regulated and insured by the NCUA. At Q2 2026 it reported 213,283 members and total assets of $4.14B, the 4th largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 8.13% at Q2 2026, in the well capitalized band.
Also written as Meritrust CU · Trade names filed with the NCUA: Premier Members CU and PMCU
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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
- 62574
- Headquarters
- Boulder, CO
- Established
- 1959
- Total assets, Q2 2026
- $4.14B
- Members, Q2 2026
- 213,283
- Net worth ratio, Q2 2026
- 8.13%
- Latest call report
- Q2 2026, NCUA 5300 · Meritrust Credit Union call report
- Asset rank in state
- 4th of 61 in Colorado
- Routing number
- 307074535
- Branches
- 38
It has 134,495 more members than on June 30, 2025 (+170.7%). Its net worth ratio was down 0.80 percentage points from 8.93% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.60B of $3.24B 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. Its 8.13% net worth ratio is below that band's 10.89% median.
Credit unions merged into Meritrust Credit Union
Meritrust Federal Credit Union (2025) · Shambhala Credit Union (2021) · Pueblo Horizons Federal Credit Union (2020) · Premier Members Federal Credit Union (2015)
Frequently asked about Meritrust Credit Union
How big is Meritrust Credit Union?
At Q2 2026 it reported total assets of $4.14B and 213,283 members.
Where is Meritrust Credit Union headquartered?
It is headquartered in Boulder, CO, United States.
When was Meritrust Credit Union founded?
It was established in 1959, per NCUA records.
Is Meritrust Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62574): 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 Meritrust 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 Meritrust Credit Union well capitalized?
Its net worth ratio was 8.13% 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 Meritrust Credit Union's delinquency ratio?
Its delinquency ratio was 0.48% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Meritrust Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.68% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Boulder, CO 80303
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1959
- NCUA Charter #
- 62574
- RSSD ID
- 567594
- Members
- 213,283
- Potential members
- 5,428,252
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.13% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.08% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 1.01% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.37% | 3.45% | 45th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 87.39% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.08% | 1.68% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.48% | 0.68% | 72nd above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.46% | 5.12% | 75th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.68% | 88.03% | 70th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.14B total assets against $1.79B; $3.46B total shares and deposits against $1.52B; $3.24B total loans against $1.33B.
$336.6M net worth against $159.7M.
8.13% net worth ratio against 8.93%.
93.68% loan-to-share ratio against 87.71%.
0.48% delinquency ratio against 0.45%.
0.08% return on assets against 0.12%; 1.01% return on equity against 1.35%.
3.37% net interest margin against 2.70%.
213,283 members against 78,788.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.13% | 0.08% | 0.48% | 93.68% |
| March 31, 2026 | 8.01% | 0.26% | 0.40% | 86.89% |
| December 31, 2025 | 8.17% | 1.30% | 0.43% | 88.81% |
| September 30, 2025 | 8.07% | -0.29% | 0.52% | 88.22% |
| June 30, 2025 | 8.93% | 0.12% | 0.45% | 87.71% |
| March 31, 2025 | 8.86% | 0.08% | 0.34% | 87.76% |
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.