TellerScore

Meritrust Credit Union (NCUA charter #62574) is based in Broomfield, Colorado. Its Q2 2026 call report shows $4.1B in total assets and $3.5B in member shares and deposits and 33 offices across 2 states.

Based on its Q2 2026 filing, Meritrust Credit Union scores 54/100, which we describe as below average. That is higher than only 11% of 454 credit unions with $1 billion – $10 billion. Among 62 credit unions headquartered in Colorado, it ranks 51st. Its strongest component is problem-loan coverage (87/100; 6.6%), and its lowest is earnings (27/100; 0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Net worth ratio: 8.13%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity67/100
Loans ÷ shares: 93.7% · 10.4% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.56%

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 4 points (58 → 54), mostly because the capital cushion component weakened by 8 points.

TellerScore
535760Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202459
Q1 202559
Q2 202558
Q3 202553
Q4 202557
Q1 202657
Q2 202654
Net worth ratio
7.00%8.03%9.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.01%
Q3 20249.06%
Q4 20248.76%
Q1 20258.86%
Q2 20258.93%
Q3 20258.07%
Q4 20258.17%
Q1 20268.01%
Q2 20268.13%
Delinquent loans (60+ days)
0.31%0.42%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.31%
Q3 20240.37%
Q4 20240.35%
Q1 20250.34%
Q2 20250.45%
Q3 20250.52%
Q4 20250.43%
Q1 20260.40%
Q2 20260.48%
Return on assets
-0.07%0.11%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.23%
Q4 20240.22%
Q1 20250.08%
Q2 20250.10%
Q3 2025-0.07%
Q4 20250.28%
Q1 20260.26%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$4.1B8.13%0.48%0.17%93.7%
Q1 202657$4.2B8.01%0.40%0.26%86.9%
Q4 202557$4.1B8.17%0.43%0.28%88.8%
Q3 202553$4.0B8.07%0.52%-0.07%88.2%
Q2 202558$1.8B8.93%0.45%0.10%87.7%
Q1 202559$1.8B8.86%0.34%0.08%87.8%
Q4 202459$1.8B8.76%0.35%0.22%89.4%
Q3 202460$1.7B9.06%0.37%0.23%90.8%
Q2 202460$1.7B9.01%0.31%0.22%90.1%

454 peers · $1 billion – $10 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 ratio8.13%
4th
Problem loans0.48%
71st
Net charge-offs0.52%
49th
Return on assets0.17%
6th
Loans to deposits93.7%
31st
Uninsured deposits10.4%
38th
Loan-loss reserves0.00%
50th
Texas ratio6.6%
32nd

Similar-size credit unions in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Elevations Credit UnionCredit union Boulder, CO72 out of 100, Strong$3.5B11.7%0.49%vs
Canvas Credit UnionCredit union Lone Tree, CO56 out of 100, Moderate$5.3B9.5%1.14%vs
Credit Union of Colorado, aCredit union Denver, CO65 out of 100, Moderate$2.6B10.4%0.74%vs
Westerra Credit UnionCredit union Denver, CO65 out of 100, Moderate$2.1B10.3%0.50%vs
Credit Union of DenverCredit union Lakewood, CO75 out of 100, Strong$1.2B12.6%0.48%vs
Bellco Credit UnionCredit union Greenwood Villa, CO55 out of 100, Moderate$8.5B10.3%1.47%vs

Deposit insurance

Is my money safe at Meritrust Credit Union?

Yes. Meritrust Credit Union is a federally insured credit union (NCUA charter #62574). 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 10.4% of shares and deposits ($360.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.13%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

33 locations

Branches

Meritrust Credit Union lists 33 offices in 15 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Meritrust Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62574
RSSD ID
567594
Primary regulator
State + NCUA
Established
1950
Headquarters
360 Interlocken Blvd, Broomfield, CO 80021
Employees
669

Quick answers

Meritrust Credit Union: common questions

Is Meritrust Credit Union NCUA insured?

Yes. Meritrust Credit Union is a federally insured credit union (NCUA charter #62574). 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 Meritrust Credit Union's TellerScore?

54 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 Meritrust Credit Union have?

33 offices as of the latest NCUA data, in 2 states.

Nearby

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