TellerScore

Minnequa Works Credit Union is a federally insured state-chartered credit union headquartered in Pueblo, Colorado, in business for about 89 years. At the end of Q2 2026 it reported $274.0M in total assets and $243.9M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Minnequa Works Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Colorado, it ranks 25th. Its strongest component is funding & liquidity (100/100; 47% loans-to-deposits, 2% uninsured), and its lowest is earnings (24/100; 0.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.66%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.79%
Earnings24/100
Return on assets (annualized): 0.10%
Funding & liquidity100/100
Loans ÷ shares: 47.3% · 2.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.94%

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 13 points (84 → 71), mostly because the earnings component weakened by 41 points.

TellerScore
707988Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202482
Q1 202588
Q2 202584
Q3 202582
Q4 202578
Q1 202670
Q2 202671
Net worth ratio
7.00%10.13%13.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.82%
Q3 202413.08%
Q4 202413.26%
Q1 202513.22%
Q2 202513.22%
Q3 202513.24%
Q4 202513.00%
Q1 202612.65%
Q2 202612.66%
Delinquent loans (60+ days)
0.18%0.53%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.43%
Q4 20240.21%
Q1 20250.18%
Q2 20250.39%
Q3 20250.47%
Q4 20250.69%
Q1 20260.87%
Q2 20260.79%
Return on assets
0.10%0.73%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.59%
Q4 20240.64%
Q1 20251.37%
Q2 20251.12%
Q3 20250.92%
Q4 20250.76%
Q1 20260.12%
Q2 20260.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$274.0M12.66%0.79%0.10%47.3%
Q1 202670$273.9M12.65%0.87%0.12%48.2%
Q4 202578$265.9M13.00%0.69%0.76%48.5%
Q3 202582$260.3M13.24%0.47%0.92%47.2%
Q2 202584$258.0M13.22%0.39%1.12%46.3%
Q1 202588$253.8M13.22%0.18%1.37%44.8%
Q4 202482$246.4M13.26%0.21%0.64%42.6%
Q3 202479$247.2M13.08%0.43%0.59%40.6%
Q2 202479$248.3M12.82%0.24%0.48%39.3%

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 ratio12.66%
66th
Problem loans0.79%
42nd
Net charge-offs1.01%
9th
Return on assets0.10%
7th
Loans to deposits47.3%
92nd
Uninsured deposits2.0%
90th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
62nd

Similar-size credit unions in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Sterling Federal Credit UnionCredit union Sterling, CO95 out of 100, Very strong$246.9M17.1%0.00%vs
Sunwest Credit UnionCredit union Pueblo, CO66 out of 100, Moderate$233.3M11.7%1.19%vs
Denver Fire Department Federal Credit UnionCredit union Denver, CO89 out of 100, Very strong$213.5M14.2%0.09%vs
Fitzsimons Federal Credit UnionCredit union Aurora, CO61 out of 100, Moderate$211.4M14.4%1.97%vs
Red Rocks Credit UnionCredit union Littleton, CO57 out of 100, Moderate$344.0M9.3%0.49%vs
Coloramo Federal Credit UnionCredit union Grand Junction, CO59 out of 100, Moderate$196.3M9.1%0.64%vs

Deposit insurance

Is my money safe at Minnequa Works Credit Union?

Yes. Minnequa Works Credit Union is a federally insured credit union (NCUA charter #68240). 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 2.0% of shares and deposits ($5.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Minnequa Works Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Minnequa Works Credit Union reported 32 home-loan applications under HMDA (LEI 549300T5KC70WN8M2956): 32 originated ($4,040,000 total), 0 denied, and 0 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
Minnequa Works Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68240
RSSD ID
196873
Primary regulator
State + NCUA
Established
1937
Headquarters
4700 Eagleridge Circle, Pueblo, CO 81008
Employees
51

Quick answers

Minnequa Works Credit Union: common questions

Is Minnequa Works Credit Union NCUA insured?

Yes. Minnequa Works Credit Union is a federally insured credit union (NCUA charter #68240). 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 Minnequa Works Credit Union's TellerScore?

71 out of 100 (Strong), 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 Minnequa Works Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pueblo

InstitutionScoreAssetsCapitalProblem loansCompare
Frontier BankBank Lamar, CO81 out of 100, Strong$436.4M10.8%0.32%vs
PB&T BankBank Pueblo, CO75 out of 100, Strong$815.2M10.6%0.54%vs
FirstOak BankBank Independence, KS75 out of 100, Strong$241.2M10.5%0.00%vs
Academy Bank, National AssociationBank Kansas City, MO73 out of 100, Strong$3.2B14.3%1.05%vs
The Colorado Bank and Trust Company of La JuntaBank La Junta, CO69 out of 100, Moderate$330.3M10.3%0.30%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs