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Colorado Credit Union Performance
How the 62 credit unions based in Colorado are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Colorado's 62 credit unions serve 2,851,208 members and hold $55.57B in combined assets. The median Colorado credit union earned a 0.55% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Colorado credit unions was -0.59%, compared with -0.55% nationally. Median one-year asset growth was 3.32%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Colorado at a glance
Colorado vs. the United States
System totals are the sum of every credit union based in Colorado. The share column is Colorado's portion of the national figure.
| Measure | Colorado | United States | Colorado share |
|---|---|---|---|
| Credit unions | 62 | 4,335 | 1.4% |
| Members | 2,851,208 | 147,031,529 | 1.9% |
| Residents (population) | 5,957,493 | 340,110,988 | 1.8% |
| Total assets | $55.57B | $2,507.50B | 2.2% |
| Total loans | $42.62B | $1,744.86B | 2.4% |
| Total shares & deposits | $46.74B | $2,143.21B | 2.2% |
| Total net worth | $5.96B | $282.23B | 2.1% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Colorado credit unions report about 48 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Colorado credit unions serve members in other states, so it overstates true in-state penetration.)
The median Colorado credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Colorado CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.55% | 0.66% |
| Net worth ratio | 11.25% | 12.44% |
| Loan-to-share ratio | 73.70% | 67.86% |
| Delinquency ratio | 0.53% | 0.63% |
| Net charge-off ratio | 0.39% | 0.33% |
| Cost of funds | 1.32% | 1.05% |
| Member growth (1 yr) | -0.59% | -0.55% |
| Asset growth (1 yr) | 3.32% | 2.78% |
| Loan growth (1 yr) | 1.97% | 0.63% |
| Share growth (1 yr) | 3.06% | 2.36% |
| Net worth growth (1 yr) | 5.19% | 5.57% |
Trends over time
The median Colorado credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.47% · 0.72%
— Colorado ‑‑ U.S.
Net worth ratio 11.08% · 12.46%
— Colorado ‑‑ U.S.
Loan-to-share ratio 72.50% · 69.70%
— Colorado ‑‑ U.S.
Delinquency ratio 0.71% · 0.72%
— Colorado ‑‑ U.S.
Asset growth (1 yr) 3.55% · 3.26%
— Colorado ‑‑ U.S.
Member growth (1 yr) -0.43% · -0.52%
— Colorado ‑‑ U.S.
Colorado leaderboards
Largest by assets
- 1 Ent Credit Union $19.48B
- 2 Bellco Credit Union $8.63B
- 3 Public Service Credit Union $5.14B
- 4 Boulder Valley Credit Union $4.19B
- 5 Elevations Credit Union $3.54B
- 6 Credit Union OF Colorado, A $2.66B
- 7 Westerra Credit Union $2.05B
- 8 Credit Union of Denver $1.19B
- 9 Air Academy Credit Union $825.4M
- 10 Sooper CU DBA Climb CU $787.1M
Highest return on assets
- 1 On Tap Credit Union 3.36%
- 2 Sooper CU DBA Climb CU 2.48%
- 3 Rio Grande Credit Union 1.66%
- 4 Peoples Credit Union 1.65%
- 5 Sterling Community Credit Union 1.40%
- 6 San Juan Mountains Credit Union 1.31%
- 7 NuVista Credit Union 1.09%
- 8 Public Service Credit Union 1.09%
- 9 Pikes Peak Credit Union 1.09%
- 10 Holyoke Community Credit Union 1.05%
Fastest-growing (organic)
- 1 Clean Energy Credit Union 45.36%
- 2 On Tap Credit Union 16.34%
- 3 Holyoke Community Credit Union 11.92%
- 4 NuVista Credit Union 9.99%
- 5 San Juan Mountains Credit Union 9.49%
- 6 Public Service Credit Union 9.35%
- 7 Minnequa Works Credit Union 7.92%
- 8 Horizons North Credit Union 7.81%
- 9 Eagle Legacy Credit Union 7.11%
- 10 Metrum Community Credit Union 5.59%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Colorado that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.