ONE THIRTEEN
Charter #64340 · Colorado Spring, CO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,016 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.41% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.29% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.49% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 102.22% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ONE THIRTEEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.64M | 91th pct | 18th pct |
| Members | 1,016 | 83th pct | 18th pct |
| Net worth ratio | 9.41% | 11th pct | 21th pct |
| Return on average assets | -0.13% | 29th pct | 28th pct |
| Net interest margin | 4.57% | 67th pct | 64th pct |
| Cost of funds | 0.53% | 52th pct | 48th pct |
| Loan-to-share | 65.44% | 59th pct | 70th pct |
| Delinquency 60+ days | 1.29% | 58th pct | 75th pct |
| Net charge-off ratio | -0.49% | 7th pct | 0th pct |
| Loan growth YoY | -9.23% | 31th pct | 11th pct |
| Share growth YoY | -2.72% | 30th pct | 5th pct |
| Efficiency ratio | 102.22% | 75th pct | 80th pct |
structural peer set hash: 25b4917d2aa92647d53fab869cadd339… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.