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.

From Q2 2025 to Q2 2026, the score rose 9 points (56 → 65), mostly because the earnings component improved by 73 points.

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

Yes. On Tap Credit Union is a federally insured credit union (NCUA charter #64913). 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 25.2% of shares and deposits ($98.6M) 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 9.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

On Tap Credit Union lists 4 offices in 2 cities. Most locations:

• Golden, CO (3)
• Arvada, CO (1)

All branch addresses and map

In 2025, On Tap Credit Union reported 172 home-loan applications under HMDA (LEI 549300BQPSF250Q8KQ79): 101 originated ($13,415,000 total), 42 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.2%, 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.

All On Tap Credit Union card terms

Legal name

On Tap Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

64913

RSSD ID

25197

Primary regulator

State + NCUA

Established

1950

Headquarters

816 Washington Avenue, Golden, CO 80401

Employees

70