Credit union · NCUA insured
Coloramo FCU
A $194.7M credit union headquartered in Grand Junction, CO, with 12,770 members and 2 branches in Colorado. Best rates: CDs 3.40% and savings 1.25% APY.
Coloramo FCU Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#6 of 14 in Grand Junction, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Coloramo FCU
Founded in 1953 in Grand Junction, Coloramo Federal Credit Union is a not-for-profit, member-owned financial cooperative based in Western Colorado.
Originally serving federal agency employees, the credit union converted to a community charter in 2002 and expanded across Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, and Moffat counties.
- Headquarters
- 516 28 Rd, Grand Junction, CO 81501
- NCUA charter
- 8725
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, or Moffat County are eligible to join.
Employers and groups
- Individuals who work in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, or Moffat County are eligible to join.
Military, government and schools
- Individuals who attend school in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, or Moffat County are eligible to join.
Family and household
- Individuals who have immediate family in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, or Moffat County are eligible to join.
Cost to join
- Membership requires a one-time $1 contribution to a savings account representing ownership in the Credit Union.
Branches
2 branches in Colorado
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Colorado
2 branches
- Coloramo FCUMain office516 28 Rd, Grand Junction, CO 81501Directions
- Fruita333 W Aspen Ave, Fruita, CO 81521Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.13% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.64% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.27% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio9.13%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.64%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.27%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Coloramo FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.