Arapahoe Credit Union
Total assets
$157.3M
▲ +1.4% YoY
Shares & deposits
$146.2M
▲ +1.0% YoY
Loans
$93.6M
▼ -7.7% YoY
Members
9,544
▼ -9.5% YoY
ROA (annualized)
0.22%
peers 0.69%
ROE (annualized)
3.25%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Arapahoe Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | +1.0% | +3.3% | -2.3 pts |
| Loan growth (YoY) | -7.7% | +2.9% | -10.6 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 3.2% | 5.9% | -2.7 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 7201 S Broadway, Littleton, CO, 80122
- NCUA charter #
- 64110
- RSSD ID
- 558891
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $157.3M | $146.2M | $93.6M | $10.6M | $86K | 0.22% | 3.72% | 1.37% | 9,544 |
| Q4 2025 | $156.5M | $145.4M | $94.4M | $10.6M | $95K | 0.06% | 3.94% | 2.27% | 9,858 |
| Q3 2025 | $155.9M | $145.2M | $98.6M | $10.4M | $-294K | -0.25% | 3.89% | 1.74% | 9,952 |
| Q2 2025 | $156.2M | $145.5M | $99.2M | $10.4M | $-221K | -0.28% | 3.83% | 1.71% | 10,282 |
| Q1 2025 | $155.2M | $144.8M | $101.3M | $10.4M | $-219K | -0.56% | 3.50% | 1.62% | 10,543 |
| Q4 2024 | $154.4M | $143.2M | $106.3M | $10.6M | $128K | 0.08% | 4.13% | 2.00% | 11,080 |
| Q3 2024 | $153.0M | $142.1M | $112.6M | $10.6M | $-134K | -0.12% | 4.26% | 2.11% | 11,421 |
| Q2 2024 | $157.9M | $147.0M | $119.9M | $10.7M | $-28K | -0.04% | 4.17% | 3.18% | 11,987 |
Loan mix (Q1 2026): real estate $48.8M · commercial $870K · consumer $42.3M · securities $33.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Arapahoe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.62% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 78.7% | 67th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Arapahoe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Arapahoe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Arapahoe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Arapahoe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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