Nuvista Federal Credit Union Montrose, Colorado
Nuvista Federal Credit Union is a federal credit union headquartered in Montrose, CO, established in 1964 (NCUA charter 16476), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,040 members and total assets of $172.3M (up 6.5% from Q2 2025), the 23rd largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 14.33% at Q2 2026, in the well capitalized band.
Also written as Nuvista FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 16476
- Headquarters
- Montrose, CO
- Established
- 1964
- Total assets, Q2 2026
- $172.3M
- Assets vs Q2 2025
- +6.5%
- Members, Q2 2026
- 7,040
- Net worth ratio, Q2 2026
- 14.33%
- Latest call report
- Q2 2026, NCUA 5300 · Nuvista Federal Credit Union call report
- Asset rank in state
- 23rd of 61 in Colorado
- Routing number
- 302177110
- Branches
- 3
It has 48 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was up 0.40 percentage points from 13.93% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $38.7M of $70.2M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Colorado
Frequently asked about Nuvista Federal Credit Union
How big is Nuvista Federal Credit Union?
At Q2 2026 it reported total assets of $172.3M and 7,040 members.
Where is Nuvista Federal Credit Union headquartered?
It is headquartered in Montrose, CO, United States.
When was Nuvista Federal Credit Union founded?
It was established in 1964, per NCUA records.
Is Nuvista Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16476): 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 Nuvista Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Nuvista Federal Credit Union well capitalized?
Its net worth ratio was 14.33% 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 Nuvista Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 47.78% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Montrose, CO 81401
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 16476
- RSSD ID
- 945286
- Members
- 7,040
- Potential members
- 103,739
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.33% | 11.43% | 79th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.35% | 0.81% | 79th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.39% | 7.02% | 71st above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.40% | 3.70% | 31st below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 68.93% | 76.55% | 75th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.29% | 1.24% | 46th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | not on file | 0.68% | not on file |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.68% | 4.92% | 35th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 47.78% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$172.3M total assets against $161.9M; $146.8M total shares and deposits against $139.0M; $70.2M total loans against $66.4M.
$24.7M net worth against $22.6M.
14.33% net worth ratio against 13.93%.
47.78% loan-to-share ratio against 47.76%.
1.35% return on assets against 1.35%; 9.39% return on equity against 9.67%.
3.40% net interest margin against 3.39%.
7,040 members against 7,088.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.33% | 1.35% | — | 47.78% |
| March 31, 2026 | 13.57% | 1.04% | — | 44.19% |
| December 31, 2025 | 14.01% | 1.39% | 0.24% | 44.61% |
| September 30, 2025 | 13.78% | 1.22% | 0.23% | 46.31% |
| June 30, 2025 | 13.93% | 1.35% | — | 47.76% |
| March 31, 2025 | 13.62% | 1.12% | 0.01% | 46.11% |
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.