State credit union · Colorado Spring, Colorado · NCUA charter #64340
One Thirteen
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $8.3M
- Total assets
- 1,036
- Members
- 9.4%
- Net-worth ratio
One Thirteen scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.3M; members 1,036; net-worth ratio 9.41%; health rank #2,013 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,013 of 4,374 health · 2025Q4One Thirteen · health 85/100 · $8.3M · 2025Q4
- PHOTO 85/100
- BOOK 9.4%
- CHARTER 1.22%
- NCUSIF 0.40%
- CAMELS $8.3M
- HEALTH 1,036
- NW #2,013/4,374
- DELQ n/a
- ROA 64340
Call Report peers
One Thirteen carries $8.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
One Thirteen vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
One Thirteen - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64340 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for One Thirteen
- Loan-to-Share Ratio leads the peer set - 72.36% here, 63.60% peer average (+8.76 pp).
- Net Worth Ratio trails the peer set - 9.41% here, 19.06% peer average (-9.65 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Colorado standing for One Thirteen
- Health composite ranks #28 of 66 among scored Colorado credit unions.
- By total assets, One Thirteen is #56 of 66 in Colorado.
- Colorado membership ordinal: #56 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for One Thirteen
One Thirteen: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $8.3M (2025Q4) to $8.6M (2026Q1).
- Net-worth ratio shifted -0.46 pp (9.87% → 9.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 18.3 pts
- Return on Assets 13.5 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.5 pts
One Thirteen vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.41% | -9.65 pp |
| Delinquency Rate | 1.22% | -0.59 pp |
| Return on Assets | 0.40% | -0.05 pp |
| Member Growth | 0.19% | - |
| Loan-to-Share Ratio | 72.36% | +8.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
One Thirteen quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.6M | - |
| 2025Q4 | $8.3M | 1,036 |
| 2024Q4 | $8.5M | 1,034 |
| 2023Q4 | $8.4M | 1,064 |
Credit Union Details
- Charter Number
- 64340
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Colorado
- City
- Colorado Spring
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for One Thirteen.
| Office | City |
|---|---|
| 3505 No Chestnut St (Main Office) | Colorado Springs, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.
One Thirteen nationwide neighbourhoods
Cross-state asset and health neighbours for One Thirteen - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- One Thirteen ranks #2,013 of 4,374 nationally on financial health and #28 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Mary is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Mary
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is One Thirteen financially healthy?
One Thirteen scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,013 of 4,374; by total assets it ranks #3,657 of 4,374 nationally (same basis as /rankings/largest); and #56 of 66 within Colorado. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.41% net worth ratio and a 1.22% delinquency rate.
How does One Thirteen compare to other credit unions?
85/100 is One Thirteen's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join One Thirteen?
Membership eligibility for One Thirteen depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact One Thirteen directly for current membership requirements and application steps.
Is my money safe at One Thirteen?
Federal credit unions like One Thirteen are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. One Thirteen's net worth ratio of 9.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does One Thirteen offer compared to banks?
Credit unions like One Thirteen are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact One Thirteen directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.