Sep, 30, 2025 — OPTIONS CREDIT UNION is a federally insured state chartered credit union headquartered in LITTLETON, CO with 1 branch location and about $4.51 million in total assets. Opened 47 years ago in 1979, OPTIONS CREDIT UNION has about 558 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | OPTIONS CREDIT UNION |
|---|---|
| Address: (Main Office) | 5935 S Zang St LITTLETON, CO 80127 |
| Phone: | (303) 860-1117 |
| Fax: | (303) 845-9776 |
| Website: | https://www.optionscreditunion.com |
| Branches: | 1 branch locations |
| Members: | 558 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 65111 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1979 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $4,509,591 |
| CEO/Manager: | Sherry Espinoza |
| Chairperson: | Tim Gaffigan |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 383,313 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,473,547 |
| Unsecured Loans | 640,889 |
| Other Loans | 1,854,718 |
| TOTAL LOANS | 3,969,154 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -25,791 |
| Land And Building | 0 |
| Other Fixed Assets | 60,516 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 43,590 |
| All Other Assets | 0 |
| TOTAL ASSETS | 4,509,591 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 17,063 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 889,368 |
| Regular shares | 1,432,222 |
| All Other Shares & Deposits | 1,784,248 |
| TOTAL SHARES & DEPOSITS | 4,105,838 |
| TOTAL LIABILITIES | 4,122,901 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 386,690 |
| TOTAL EQUITY | 386,690 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 4,509,591 |
| INCOME & EXPENSE | |
| Loan Income | 196,714 |
| Investment Income | 9,351 |
| Other Income | 24,207 |
| Total Employee Compensation & Benefits | 100,877 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 123,907 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 33,896 |
| Cost of Funds | 39,081 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -51,443 |
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