TellerScore

Foothills Credit Union is a federally insured state-chartered credit union headquartered in Wheat Ridge, Colorado, in business for about 80 years. At the end of Q2 2026 it reported $165.6M in total assets and $151.6M in member shares and deposits, with 3 offices.

Foothills Credit Union has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Colorado, it ranks 60th. Funding & liquidity contributes the most (82/100, 78% loans-to-deposits, 10% uninsured); capital cushion contributes the least (24/100, 7.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion24/100
Net worth ratio: 7.38%
Loan quality41/100
Loans 60+ days delinquent ÷ total loans: 1.77%
Earnings25/100
Return on assets (annualized): 0.12%
Funding & liquidity82/100
Loans ÷ shares: 78.0% · 9.7% uninsured
Problem-loan coverage65/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 17.36%

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 fell 6 points (47 → 41), mostly because the loan quality component weakened by 26 points.

TellerScore
394653Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202453
Q3 202444
Q4 202449
Q1 202550
Q2 202547
Q3 202539
Q4 202547
Q1 202650
Q2 202641
Net worth ratio
7.00%7.37%7.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20247.73%
Q3 20247.62%
Q4 20247.53%
Q1 20257.56%
Q2 20257.51%
Q3 20257.51%
Q4 20257.41%
Q1 20267.45%
Q2 20267.38%
Delinquent loans (60+ days)
0.87%1.39%1.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.87%
Q3 20241.63%
Q4 20241.05%
Q1 20251.00%
Q2 20250.98%
Q3 20251.90%
Q4 20251.15%
Q1 20260.88%
Q2 20261.77%
Return on assets
-0.21%0.10%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.41%
Q3 20240.17%
Q4 20240.16%
Q1 20250.16%
Q2 2025-0.21%
Q3 2025-0.08%
Q4 2025-0.01%
Q1 20260.11%
Q2 20260.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202641$165.6M7.38%1.77%0.12%78.0%
Q1 202650$163.3M7.45%0.88%0.11%80.0%
Q4 202547$163.7M7.41%1.15%-0.01%77.5%
Q3 202539$160.2M7.51%1.90%-0.08%79.5%
Q2 202547$159.5M7.51%0.98%-0.21%78.8%
Q1 202550$161.5M7.56%1.00%0.16%76.8%
Q4 202449$161.3M7.53%1.05%0.16%76.3%
Q3 202444$158.8M7.62%1.63%0.17%77.8%
Q2 202453$158.0M7.73%0.87%0.41%79.8%

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).

Capital ratio7.38%
1st
Problem loans1.77%
9th
Net charge-offs0.41%
44th
Return on assets0.12%
8th
Loans to deposits78.0%
45th
Uninsured deposits9.7%
18th
Loan-loss reserves0.00%
50th
Texas ratio17.4%
3rd

Similar-size credit unions in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Space Age Credit UnionCredit union Aurora, CO39 out of 100, Low$167.7M8.1%2.13%vs
Nuvista Federal Credit UnionCredit union Montrose, CO92 out of 100, Very strong$172.3M14.3%0.00%vs
Power Credit UnionCredit union Pueblo, CO63 out of 100, Moderate$156.0M11.4%1.40%vs
Arapahoe Credit UnionCredit union Littleton, CO49 out of 100, Below average$154.0M7.0%1.22%vs
Fidelis Catholic Federal Credit UnionCredit union Arvada, CO56 out of 100, Moderate$151.8M8.4%0.43%vs
The District Federal Credit UnionCredit union Aurora, CO50 out of 100, Below average$148.3M7.6%0.95%vs

Deposit insurance

Is my money safe at Foothills Credit Union?

Yes. Foothills Credit Union is a federally insured credit union (NCUA charter #67181). 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 9.7% of shares and deposits ($14.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.38%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Foothills Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Foothills Credit Union reported 24 home-loan applications under HMDA (LEI 5493004V3AW2SVUJ5U52): 23 originated ($4,485,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Foothills Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67181
RSSD ID
731573
Primary regulator
State + NCUA
Established
1946
Headquarters
3550 Clear Creek Dr, Wheat Ridge, CO 80033
Employees
33

Quick answers

Foothills Credit Union: common questions

Is Foothills Credit Union NCUA insured?

Yes. Foothills Credit Union is a federally insured credit union (NCUA charter #67181). 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 Foothills Credit Union's TellerScore?

41 out of 100 (Below average), 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 Foothills Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wheat Ridge

InstitutionScoreAssetsCapitalProblem loansCompare
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
Star Tech Federal Credit UnionCredit union Greenwood Villa, CO91 out of 100, Very strong$11.1M22.2%0.38%vs
Denver Fire Department Federal Credit UnionCredit union Denver, CO89 out of 100, Very strong$213.5M14.2%0.09%vs
5Star BankBank Colorado Springs, CO87 out of 100, Very strong$378.2M17.2%0.16%vs
Transact Bank, National AssociationBank Denver, CO86 out of 100, Very strong$6.5M16.3%0.00%vs
Affidian Federal Credit UnionCredit union Denver, CO85 out of 100, Very strong$360.1M18.9%0.85%vs