Side-by-side · Q2 2026 data
First National Bank Colorado vs One Thirteen Credit Union
Credit union
One Thirteen Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | First National Bank Colorado | One Thirteen Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 43 |
| Capital cushion | 68 (stronger) | 44 |
| Loan quality | 100 (stronger) | 25 |
| Earnings | 100 (stronger) | 6 |
| Funding & liquidity | 63 | 96 (stronger) |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 88th | 4th |
| Total assets | $634.3M | $8.5M |
| Deposits / shares | $532.4M | $7.7M |
| Capital ratio | 11.76% (stronger) | 9.38% |
| Problem loans | 0.00% (stronger) | 2.25% |
| Net charge-offs | 0.01% | -0.54% (stronger) |
| Return on assets | 2.08% (stronger) | -0.35% |
| Loans ÷ deposits | 77.3% | 63.8% (stronger) |
| Uninsured deposits | 32.6% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
First National Bank Colorado has the higher TellerScore (85 vs 43). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Colorado leads on 4 and One Thirteen Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.