Credit Union Safety Analysis
Is On Tap Credit Union Safe? Golden, Colorado
Based on its Q2 2026 NCUA 5300 call report, On Tap Credit Union has a net worth ratio of 9.21%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.38%, 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, On Tap Credit Union's net worth ratio is 9.21%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.21%
- Delinquency ratio (60+ days) (Q2 2026): 1.38%
- Return on assets (Q2 2026): 1.51%
- Loan-to-share ratio (Q2 2026): 78.08%
On Tap Credit Union (NCUA charter 64913, established 1950) reported $474.0M in assets and 19,415 members for Q2 2026 from Golden, Colorado. It ranks 12 of 61 credit unions in Colorado by total assets. Total assets grew 22.6% from $386.5M on June 30, 2025. It has 146 more members than on June 30, 2025 (+0.8%). Its net worth ratio was down 0.52 percentage points from 9.73% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $192.3M of $306.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.38% 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: 9.16% for Q1 2026; 9.73% 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: 1.25% for Q1 2026; 0.93% 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: 3.12% for Q1 2026; 0.33% 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: 82.10% for Q1 2026; 89.05% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $192.3M
- Used vehicle loans: $50.4M
- Commercial loans: $29.7M
- New vehicle loans: $13.5M
- Unsecured credit card loans: $11.8M
- Other unsecured loans and lines of credit: $5.7M
- Other secured non-real estate loans and lines of credit: $2.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $474.0M | 9.21% | 1.38% | 1.51% | 78.08% |
| March 31, 2026 | $457.0M | 9.16% | 1.25% | 3.12% | 82.10% |
| December 31, 2025 | $419.6M | 9.49% | 1.05% | 0.47% | 87.46% |
| September 30, 2025 | $415.1M | 9.24% | 1.16% | 0.27% | 86.47% |
| June 30, 2025 | $386.5M | 9.73% | 0.93% | 0.33% | 89.05% |
| March 31, 2025 | $392.8M | 9.49% | 0.86% | 0.03% | 89.12% |
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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.
Regulator records: NCUA credit union profile (charter 64913) · FFIEC NIC profile (RSSD 25197)
Frequently asked questions
Is On Tap Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, On Tap Credit Union's net worth ratio is 9.21%, above the 7% NCUA threshold for well capitalized.
Is On Tap Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. On Tap Credit Union is a federally insured credit union (NCUA charter 64913): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are On Tap Credit Union's key safety ratios?
For Q2 2026, On Tap Credit Union reports net worth 9.21%, delinquency 1.38%, ROA 1.51%, loan-to-share 78.08%.
What happens to my money if On Tap Credit Union fails?
For Q2 2026, On Tap Credit Union held $391.8M in shares and deposits for 19,415 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.