One Thirteen
Colorado Spring, CO · Charter 64340 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$8.5MAssets
$4.9MLoans
$7.7MShares
$800KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets (rank 331 of 1683).
- Widest gap: efficiency ratio trails 95% of credit unions under $1B in assets (rank 1592 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.35%
Rank 1,557 of 1,683
Net Interest Margin
4.50%
Rank 331 of 1,683
Efficiency Ratio
106.28%
Rank 1,592 of 1,682
Equity / Assets
9.37%
Rank 1,454 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.35% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,557 / 1,683 | | |
| Return on Equity | -3.75% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,581 / 1,681 | | |
| Net Interest Margin | 4.50% | 3.31% | 3.82% | 4.32% | Beats 80% | 331 / 1,683 | | |
| Efficiency Ratio | 106.28% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,592 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.26% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,484 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.37% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,454 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.37% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,454 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.84% | 52.61% | 69.38% | 83.50% | 41st pctl | 1,001 / 1,683 | | |
| Loans / Assets | 57.60% | 44.71% | 59.18% | 70.72% | 47th pctl | 897 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |