Options Credit Union is a federally insured state-chartered credit union headquartered in Littleton, Colorado, in business for about 47 years. At the end of Q2 2026 it reported $5.5M in total assets and $5.0M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Options Credit Union scores 41/100, which we describe as below average. That is higher than only 3% of 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Colorado, it ranks 61st. Its strongest component is problem-loan coverage (71/100; 14.4%), and its lowest is earnings (17/100; -0.06%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 12 points (53 → 41), mostly because the loan quality component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 58 |
| Q4 2024 | 59 |
| Q1 2025 | 49 |
| Q2 2025 | 53 |
| Q3 2025 | 53 |
| Q4 2025 | 50 |
| Q1 2026 | 57 |
| Q2 2026 | 41 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.57% |
| Q3 2024 | 9.32% |
| Q4 2024 | 9.06% |
| Q1 2025 | 9.25% |
| Q2 2025 | 9.24% |
| Q3 2025 | 8.57% |
| Q4 2025 | 7.82% |
| Q1 2026 | 7.25% |
| Q2 2026 | 7.02% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.05% |
| Q2 2026 | 1.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.28% |
| Q3 2024 | -0.29% |
| Q4 2024 | -0.20% |
| Q1 2025 | -0.69% |
| Q2 2025 | -0.96% |
| Q3 2025 | -1.52% |
| Q4 2025 | -1.09% |
| Q1 2026 | 0.38% |
| Q2 2026 | -0.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $5.5M | 7.02% | 1.20% | -0.06% | 98.3% |
| Q1 2026 | 57 | $5.4M | 7.25% | 0.05% | 0.38% | 99.2% |
| Q4 2025 | 50 | $4.9M | 7.82% | 0.23% | -1.09% | 98.7% |
| Q3 2025 | 53 | $4.5M | 8.57% | 0.21% | -1.52% | 96.7% |
| Q2 2025 | 53 | $4.5M | 9.24% | 0.37% | -0.96% | 99.9% |
| Q1 2025 | 49 | $4.7M | 9.25% | 0.88% | -0.69% | 97.1% |
| Q4 2024 | 59 | $4.8M | 9.06% | 0.00% | -0.20% | 95.4% |
| Q3 2024 | 58 | $4.7M | 9.32% | 0.00% | -0.29% | 102.7% |
| Q2 2024 | 57 | $5.1M | 8.57% | 0.09% | -0.28% | 92.5% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fort Morgan Schools Federal Credit UnionCredit union Fort Morgan, CO | 80 out of 100, Strong | $5.6M | 14.5% | 0.00% | vs |
| Moffat County Schools Federal Credit UnionCredit union Craig, CO | 84 out of 100, Strong | $5.7M | 13.1% | 0.00% | vs |
| Valley Educators Credit UnionCredit union Alamosa, CO | 56 out of 100, Moderate | $6.1M | 22.0% | 2.42% | vs |
| Co-Ne Federal Credit UnionCredit union Julesburg, CO | 63 out of 100, Moderate | $4.2M | 8.7% | 0.00% | vs |
| One Thirteen Credit UnionCredit union Colorado Spring, CO | 43 out of 100, Below average | $8.5M | 9.4% | 2.25% | vs |
| Rio Blanco Schools Federal Credit UnionCredit union Rangely, CO | 82 out of 100, Strong | $9.0M | 16.9% | 0.46% | vs |
Deposit insurance
Is my money safe at Options Credit Union?
Yes. Options Credit Union is a federally insured credit union (NCUA charter #65111). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.4% of shares and deposits ($119K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 7.02%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Options Credit Union lists 1 office in 1 city. Most locations:
- Littleton, CO (1)
Identity & history
Profile
- Legal name
- Options Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65111
- RSSD ID
- 297190
- Primary regulator
- State + NCUA
- Established
- 1979
- Headquarters
- 5935 S Zang St, Unit 4, Littleton, CO 80127
- Employees
- 2
Quick answers
Options Credit Union: common questions
Is Options Credit Union NCUA insured?
Yes. Options Credit Union is a federally insured credit union (NCUA charter #65111). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Options Credit Union's TellerScore?
41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Options Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Littleton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| AMG National Trust BankBank Boulder, CO | 94 out of 100, Very strong | $722.9M | 15.4% | 0.04% | vs |
| Star Tech Federal Credit UnionCredit union Greenwood Villa, CO | 91 out of 100, Very strong | $11.1M | 22.2% | 0.38% | vs |
| Denver Fire Department Federal Credit UnionCredit union Denver, CO | 89 out of 100, Very strong | $213.5M | 14.2% | 0.09% | vs |
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| Transact Bank, National AssociationBank Denver, CO | 86 out of 100, Very strong | $6.5M | 16.3% | 0.00% | vs |
| Affidian Federal Credit UnionCredit union Denver, CO | 85 out of 100, Very strong | $360.1M | 18.9% | 0.85% | vs |