Side-by-side · Q2 2026 data
One Thirteen Credit Union vs Options Credit Union
Credit union
One Thirteen Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | One Thirteen Credit Union | Options Credit Union |
|---|---|---|
| TellerScore | 43 (stronger) | 41 |
| Capital cushion | 44 (stronger) | 20 |
| Loan quality | 25 | 60 (stronger) |
| Earnings | 6 | 17 (stronger) |
| Funding & liquidity | 96 (stronger) | 62 |
| Problem-loan coverage | 76 (stronger) | 71 |
| Peer percentile | 4th | 3rd |
| Total assets | $8.5M | $5.5M |
| Deposits / shares | $7.7M | $5.0M |
| Capital ratio | 9.38% (stronger) | 7.02% |
| Problem loans | 2.25% | 1.20% (stronger) |
| Net charge-offs | -0.54% (stronger) | -0.00% |
| Return on assets | -0.35% | -0.06% (stronger) |
| Loans ÷ deposits | 63.8% (stronger) | 98.3% |
| Uninsured deposits | 0.0% (stronger) | 2.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
One Thirteen Credit Union has the higher TellerScore (43 vs 41). On the 7 directional measures above (where higher or lower is clearly better), One Thirteen Credit Union leads on 5 and Options Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.