Credit Union Safety Analysis
Is Options Credit Union Safe? Littleton, Colorado
Based on its Q2 2026 NCUA 5300 call report, Options Credit Union has a net worth ratio of 7.02%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.20%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Options Credit Union's net worth ratio is 7.02%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.02%
- Delinquency ratio (60+ days) (Q2 2026): 1.20%
- Return on assets (Q2 2026): -0.50%
- Loan-to-share ratio (Q2 2026): 98.28%
Options Credit Union (NCUA charter 65111, established 1979) reported $5.5M in assets and 556 members for Q2 2026 from Littleton, Colorado. It ranks 57 of 61 credit unions in Colorado by total assets. Total assets grew 20.9% from $4.5M on June 30, 2025. It has 6 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was down 2.22 percentage points from 9.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.9M of $5.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.20% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 7.25% for Q1 2026; 9.24% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.05% for Q1 2026; 0.37% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.38% for Q1 2026; -1.21% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 99.15% for Q1 2026; 99.91% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.9M
- New vehicle loans: $1.2M
- Used vehicle loans: $859K
- Unsecured credit card loans: $401K
- Other unsecured loans and lines of credit: $379K
- Other secured non-real estate loans and lines of credit: $168K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.5M | 7.02% | 1.20% | -0.50% | 98.28% |
| March 31, 2026 | $5.4M | 7.25% | 0.05% | 0.38% | 99.15% |
| December 31, 2025 | $4.9M | 7.82% | 0.23% | -0.18% | 98.66% |
| September 30, 2025 | $4.5M | 8.57% | 0.21% | -2.64% | 96.67% |
| June 30, 2025 | $4.5M | 9.24% | 0.37% | -1.21% | 99.91% |
| March 31, 2025 | $4.7M | 9.25% | 0.88% | -0.69% | 97.15% |
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Free to use. It shows Options Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65111) · FFIEC NIC profile (RSSD 297190)
Frequently asked questions
Is Options Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Options Credit Union's net worth ratio is 7.02%, above the 7% NCUA threshold for well capitalized.
Is Options Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Options Credit Union is a federally insured credit union (NCUA charter 65111): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Options Credit Union's key safety ratios?
For Q2 2026, Options Credit Union reports net worth 7.02%, delinquency 1.20%, ROA -0.50%, loan-to-share 98.28%.
What happens to my money if Options Credit Union fails?
For Q2 2026, Options Credit Union held $5.0M in shares and deposits for 556 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.