State credit union · Littleton, Colorado · NCUA charter #65111
OPTIONS
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $4.9M
- Total assets
- 561
- Members
- 7.2%
- Net-worth ratio
OPTIONS scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.9M; members 561; net-worth ratio 7.25%; health rank #4,010 of 4,374; healthier than 8th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,010 of 4,374 health · 2025Q4OPTIONS · health 62/100 · $4.9M · 2025Q4
Call Report peers
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OPTIONS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OPTIONS sits in 60-64 with 179 others.
62 8th percentile higher than 8% 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
Peer-gap read for OPTIONS
- Largest favorable gap: Loan-to-Share Ratio at 98.66% vs peer 63.60% (+35.06 pp).
- Largest lag: Net Worth Ratio at 7.25% vs peer 19.06% (-11.81 pp).
Colorado standing for OPTIONS
- Health composite ranks #61 of 66 among scored Colorado credit unions.
- Colorado assets place: #62 of 66.
- Membership ranks #62 of 66 among Colorado CUs with a reported count (561 members).
- One place up in Colorado, Space Age (#60) ties at 62/100; one place down, Mountain River (#62) ties at 62/100.
OPTIONS: 2025Q4 → 2026Q1
OPTIONS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +9.3% from $4.9M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted -0.57 pp (7.82% → 7.25%).
This credit union's 7.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 62/100 score is built
OPTIONS gives up 38 points in total. Member Growth costs the most, 14.6 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 23.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.8 pts
- Member Growth 0.4 pts
- Loan-to-Share Ratio 10.7 pts
OPTIONS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.25% | -11.81 pp |
| Delinquency Rate | 0.23% | -1.58 pp |
| Return on Assets | -0.19% | -0.65 pp |
| Member Growth | -4.75% | - |
| Loan-to-Share Ratio | 98.66% | +35.06 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.4M | - |
| 2025Q4 | $4.9M | 561 |
| 2024Q4 | $4.8M | 589 |
| 2023Q4 | $5.5M | 694 |
Credit Union Details
- Charter Number
- 65111
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Colorado
- City
- Littleton
- Data Quarter
- 2025Q4
Branch Location
OPTIONS operates a single office in Littleton, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Coal Mine Branch (Main Office) | Littleton, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
Cross-state Call Report peers for OPTIONS
Using this data
- OPTIONS ranks #4,010 of 4,374 nationally on financial health and #61 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CO-NE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CO-NE
Frequently Asked Questions
Is OPTIONS financially healthy?
OPTIONS has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,010 of 4,374 nationally on health and #61 of 66 in Colorado. Its net worth ratio is 7.25% and its delinquency rate 0.23%.
How does OPTIONS compare to other credit unions?
OPTIONS scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (98.66% vs 63.60%). Its widest shortfall is net worth ratio (7.25% vs 19.06%).
How can I join OPTIONS?
Membership eligibility for OPTIONS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact OPTIONS directly for current membership requirements and application steps.
Is my money safe at OPTIONS?
OPTIONS is a state-chartered credit union; its shares are federally 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. OPTIONS's net worth ratio of 7.25% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.