Credit Union Safety Analysis
Is Saint Michaels Federal Credit Union Safe? Craig, Colorado
Based on its Q2 2026 NCUA 5300 call report, Saint Michaels Federal Credit Union has a net worth ratio of 12.48%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.61%, 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, Saint Michaels Federal Credit Union's net worth ratio is 12.48%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.48%
- Delinquency ratio (60+ days) (Q2 2026): 0.61%
- Return on assets (Q2 2026): 2.86%
- Loan-to-share ratio (Q2 2026): 45.80%
Saint Michaels Federal Credit Union (NCUA charter 11340, established 1956) reported $1.0M in assets and 182 members for Q2 2026 from Craig, Colorado. It ranks 60 of 61 credit unions in Colorado by total assets. Total assets grew 8.7% from $940K on June 30, 2025. It has 1 fewer member than on June 30, 2025 (-0.5%). Its net worth ratio was down 1.04 percentage points from 13.52% on June 30, 2025. Used vehicle loans are its largest loan category, $259K of $410K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.61% is below 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: 12.45% for Q1 2026; 13.52% 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%.
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: 0.93% for Q1 2026; 2.39% 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: 43.37% for Q1 2026; 57.21% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $259K
- New vehicle loans: $80K
- Other secured non-real estate loans and lines of credit: $70K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.0M | 12.48% | 0.61% | 2.86% | 45.80% |
| March 31, 2026 | $980K | 12.45% | — | 0.93% | 43.37% |
| December 31, 2025 | $994K | 11.86% | — | -4.37% | 45.88% |
| September 30, 2025 | $991K | 12.99% | — | 0.65% | 52.22% |
| June 30, 2025 | $940K | 13.52% | — | 2.39% | 57.21% |
| March 31, 2025 | $991K | 12.26% | — | 2.41% | 51.18% |
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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.
Saint Michaels Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11340) · FFIEC NIC profile (RSSD 567286)
Frequently asked questions
Is Saint Michaels Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Saint Michaels Federal Credit Union's net worth ratio is 12.48%, above the 7% NCUA threshold for well capitalized.
Is Saint Michaels Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Saint Michaels Federal Credit Union is a federally insured credit union (NCUA charter 11340): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Saint Michaels Federal Credit Union's key safety ratios?
For Q2 2026, Saint Michaels Federal Credit Union reports net worth 12.48%, delinquency 0.61%, ROA 2.86%, loan-to-share 45.80%.
What happens to my money if Saint Michaels Federal Credit Union fails?
For Q2 2026, Saint Michaels Federal Credit Union held $894K in shares and deposits for 182 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.