On Tap
On Tap is a credit union based in Golden, Colorado, established in 1950, with $457 million in total assets serving 19,362 members. By Trust Grade it ranks 34th of 62 credit unions we track in Colorado. Its net worth ratio of 9.2% trails most similarly sized credit unions (17th percentile), versus a Colorado median of 11.3%. It was profitable over the most recent period, with a 3.12% return on assets. No consumer complaints against On Tap appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How On Tap compares to Colorado peers
How we graded On Tap
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.2% capital ratio)
- Strongly profitable (ROA 3.12%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for On Tap over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at On Tap insured?
Yes. On Tap is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
On Tap: frequently asked questions
Is On Tap a good credit union?
On Tap earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (9.2% capital ratio); Strongly profitable (ROA 3.12%).
Is On Tap NCUA-insured?
Yes. On Tap is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is On Tap?
On Tap holds $457 million in total assets, ranking 34th of 62 credit unions we track in Colorado. It serves 19,362 members.
Does On Tap have CFPB complaints?
No CFPB complaints against On Tap appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
