State credit union · Colorado Spring, Colorado · NCUA charter #64340
One Thirteen
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $8.3M
- Total assets
- 1,036
- Members
- 9.9%
- Net-worth ratio
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.
One Thirteen - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)99
- Asset quality (delinquency)73
- Earnings (ROA)90
- Member growth62
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.87% | 30% |
| Delinquency Rate | 1.22% | 25% |
| Return on Assets | 0.40% | 15% |
| Member Growth | 0.19% | 15% |
| Loan-to-Share Ratio | 72.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About One Thirteen
Headquartered in Colorado Spring, Colorado, One Thirteen is a state credit union with 1,036 members, $8.3M in total assets, and $5.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 86/100 (Excellent), driven in part by a net worth ratio of 9.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #64340 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
1.22% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 72.36% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.40% on net income of $33K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.19%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is One Thirteen financially healthy?
One Thirteen scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.87% net worth ratio and a 1.22% delinquency rate.
How does One Thirteen compare to other credit unions?
86/100 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 9.87% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.