Sep, 30, 2025 — ON TAP CREDIT UNION is a federally insured state chartered credit union headquartered in GOLDEN, CO with 2 branch locations and about $415.06 million in total assets. Opened 76 years ago in 1950, ON TAP CREDIT UNION has about 19,327 members and employs 65 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ON TAP CREDIT UNION |
|---|---|
| Address: (Main Office) | 4690 Table Mountain Dr GOLDEN, CO 80403 |
| Phone: | (303) 279-6414 |
| Fax: | |
| Website: | https://www.ontapcu.org |
| Branches: | 2 branch locations |
| Members: | 19,327 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64913 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1950 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $415,060,883 |
| CEO/Manager: | Tracie Wilcox |
| Chairperson: | Kirsten Johnson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 66,393,657 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 218,958,899 |
| Unsecured Loans | 18,140,647 |
| Other Loans | 59,828,298 |
| TOTAL LOANS | 296,927,844 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,116,190 |
| Land And Building | 2,423,238 |
| Other Fixed Assets | 745,196 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,972,060 |
| All Other Assets | 26,610 |
| TOTAL ASSETS | 415,060,883 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 618 |
| Notes & Interest Payable | 34,385,400 |
| Accounts Payable & Other Liabilities | 2,373,437 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 64,785,020 |
| Regular shares | 107,959,269 |
| All Other Shares & Deposits | 170,656,737 |
| TOTAL SHARES & DEPOSITS | 343,401,026 |
| TOTAL LIABILITIES | 380,160,481 |
| Regular Reserve | 0 |
| Other Reserves | -2,644,863 |
| Undivided Earnings | 37,545,265 |
| TOTAL EQUITY | 34,900,402 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 415,060,883 |
| INCOME & EXPENSE | |
| Loan Income | 12,887,171 |
| Investment Income | 2,163,398 |
| Other Income | 993,647 |
| Total Employee Compensation & Benefits | 5,307,200 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 5,188,658 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,436,545 |
| Cost of Funds | 5,027,317 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 629,275 |
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