Headquartered in Grand Junction, Colorado, Coloramo Federal Credit Union is a federal credit union with $196.3M in total assets and $172.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1953.
Based on its Q2 2026 filing, Coloramo Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Colorado, it ranks 45th. Its strongest component is funding & liquidity (83/100; 77% loans-to-deposits, 5% uninsured), and its lowest is earnings (31/100; 0.27%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 16 points (43 → 59), mostly because the loan quality component improved by 46 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 60 |
| Q4 2024 | 39 |
| Q1 2025 | 34 |
| Q2 2025 | 43 |
| Q3 2025 | 55 |
| Q4 2025 | 55 |
| Q1 2026 | 51 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.20% |
| Q3 2024 | 9.43% |
| Q4 2024 | 9.40% |
| Q1 2025 | 9.05% |
| Q2 2025 | 9.22% |
| Q3 2025 | 9.21% |
| Q4 2025 | 9.20% |
| Q1 2026 | 9.03% |
| Q2 2026 | 9.13% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.82% |
| Q4 2024 | 2.97% |
| Q1 2025 | 2.52% |
| Q2 2025 | 2.02% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.97% |
| Q2 2026 | 0.64% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.63% |
| Q1 2025 | -0.80% |
| Q2 2025 | -0.06% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.32% |
| Q1 2026 | -0.16% |
| Q2 2026 | 0.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $196.3M | 9.13% | 0.64% | 0.27% | 77.1% |
| Q1 2026 | 51 | $194.7M | 9.03% | 0.97% | -0.16% | 79.2% |
| Q4 2025 | 55 | $191.9M | 9.20% | 0.91% | 0.32% | 81.6% |
| Q3 2025 | 55 | $188.9M | 9.21% | 0.83% | 0.24% | 83.3% |
| Q2 2025 | 43 | $184.7M | 9.22% | 2.02% | -0.06% | 82.7% |
| Q1 2025 | 34 | $184.6M | 9.05% | 2.52% | -0.80% | 81.9% |
| Q4 2024 | 39 | $181.6M | 9.40% | 2.97% | 0.63% | 83.8% |
| Q3 2024 | 60 | $177.3M | 9.43% | 0.82% | 0.58% | 86.7% |
| Q2 2024 | 61 | $178.4M | 9.20% | 0.64% | 0.53% | 85.9% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fitzsimons Federal Credit UnionCredit union Aurora, CO | 61 out of 100, Moderate | $211.4M | 14.4% | 1.97% | vs |
| Denver Fire Department Federal Credit UnionCredit union Denver, CO | 89 out of 100, Very strong | $213.5M | 14.2% | 0.09% | vs |
| Nuvista Federal Credit UnionCredit union Montrose, CO | 92 out of 100, Very strong | $172.3M | 14.3% | 0.00% | vs |
| Space Age Credit UnionCredit union Aurora, CO | 39 out of 100, Low | $167.7M | 8.1% | 2.13% | vs |
| Foothills Credit UnionCredit union Wheat Ridge, CO | 41 out of 100, Below average | $165.6M | 7.4% | 1.77% | vs |
| Sunwest Credit UnionCredit union Pueblo, CO | 66 out of 100, Moderate | $233.3M | 11.7% | 1.19% | vs |
Deposit insurance
Is my money safe at Coloramo Federal Credit Union?
Yes. Coloramo Federal Credit Union is a federally insured credit union (NCUA charter #8725). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.5% of shares and deposits ($9.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Coloramo Federal Credit Union lists 3 offices in 2 cities. Most locations:
- Grand Junction, CO (2)
- Fruita, CO (1)
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Visa Classic | 16.49% | $0 | $30 | 0.8% |
| Visa Platinum | 12.49% | $0 | $30 | 0.8% |
| Visa Secured | 7.90% | $0 | $30 | 0.8% |
Identity & history
Profile
- Legal name
- Coloramo Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8725
- RSSD ID
- 292681
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 516 28 Road, Grand Junction, CO 81501
- Employees
- 43
Quick answers
Coloramo Federal Credit Union: common questions
Is Coloramo Federal Credit Union NCUA insured?
Yes. Coloramo Federal Credit Union is a federally insured credit union (NCUA charter #8725). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Coloramo Federal Credit Union's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Coloramo Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Grand Junction
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rio Grande Federal Credit UnionCredit union Grand Junction, CO | 97 out of 100, Very strong | $80.8M | 22.0% | 0.03% | vs |
| Grand Junction Federal Credit UnionCredit union Grand Junction, CO | 83 out of 100, Strong | $115.0M | 19.7% | 0.72% | vs |
| Grand Valley BankBank Heber City, UT | 82 out of 100, Strong | $599.4M | 11.5% | 0.02% | vs |
| Timberline BankBank Grand Junction, CO | 75 out of 100, Strong | $832.6M | 9.4% | 0.06% | vs |
| Bank of ColoradoBank Fort Collins, CO | 74 out of 100, Strong | $7.6B | 10.5% | 0.10% | vs |
| Alpine BankBank Glenwood Springs, CO | 73 out of 100, Strong | $6.7B | 11.0% | 0.31% | vs |