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
- RANK 62/100
- PHOTO 7.2%
- BOOK 0.23%
- CHARTER -0.19%
- NCUSIF $4.9M
- CAMELS 561
- HEALTH #4,010/4,374
- NW n/a
- DELQ 65111
Call Report peers
OPTIONS carries $4.9M 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.
OPTIONS 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
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
OPTIONS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65111: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
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 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).
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
OPTIONS: 2025Q4 → 2026Q1
OPTIONS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +9.3% from $4.9M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted -0.57 pp (7.82% → 7.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- 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 |
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).
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
Two NCUA Call Report peer sets for OPTIONS, both outside Colorado so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
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
- 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 OPTIONS financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, OPTIONS carries a financial health score of 62/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,010 of 4,374; by total assets it ranks #3,897 of 4,374 nationally (same basis as /rankings/largest); and #62 of 66 within Colorado. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.25% net worth ratio and a 0.23% delinquency rate.
How does OPTIONS compare to other credit unions?
PlainCU's health composite puts OPTIONS at 62/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like OPTIONS 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. OPTIONS's net worth ratio of 7.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does OPTIONS offer compared to banks?
Credit unions like OPTIONS 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 OPTIONS 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.