MOORE COUNTY SCHOOLS
Charter #11458 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
MOORE COUNTY SCHOOLS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Efficiency ratio 22.57% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Asset Growth Rate: Bottom 3.8% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
812
-2.1% YoY-0.6% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 23.6% in tier |
| Assets |
$6.2M
-11.8% YoY+2.1% QoQ
|
$-23.7M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 23.5% in tier |
| Loans |
$3.9M
-4.7% YoY-4.4% QoQ
|
$-11.9M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
28th in tier |
| Deposits |
$5.5M
-13.1% YoY+2.1% QoQ
|
$-20.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 25.0% in tier |
| ROA |
-0.1%
-88.1% YoY-59.6% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.4% in tier |
| NIM |
3.3%
+96.9% YoY-2.8% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
27th in tier |
| Efficiency Ratio |
104.0%
-36.7% YoY-5.1% QoQ
|
+22.6% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
0.1%
-64.6% YoY-72.2% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 19.0% in tier |
| Loan To Share |
70.1%
+9.7% YoY-6.4% QoQ
|
+8.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
63rd in tier |
| AMR |
$11,513
-7.9% YoY-0.1% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
37th in tier |
| CD Concentration |
13.2%
+5.2% YoY+0.1% QoQ
|
-11.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
493
Total Delinquency Rate (60+ days)
risk
Value:
0.08%
Peer Avg: 1.51%
#493 of 2596
Top 19.0% in <100M tier
Top Weaknesses (11 metrics)
2499
Asset Growth Rate
growth
Value:
-11.83%
Peer Avg: 1.82%
#2499 of 2596
Bottom 3.8% in <100M tier
2485
Deposit Growth Rate
growth
Value:
-13.09%
Peer Avg: 16.80%
#2485 of 2596
Bottom 4.3% in <100M tier
2362
Efficiency Ratio
profitability
Value:
103.96%
Peer Avg: 81.39%
#2362 of 2596
Bottom 9.1% in <100M tier
2318
AMR Growth Rate
growth
Value:
-7.92%
Peer Avg: 4.67%
#2318 of 2596
Bottom 10.7% in <100M tier
2248
Return on Assets (ROA)
profitability
Value:
-0.13%
Peer Avg: 0.68%
#2248 of 2596
Bottom 13.4% in <100M tier
2219
Fee Income Per Member
profitability
Value:
$5.22
Peer Avg: $182.96
#2219 of 2596
Bottom 14.6% in <100M tier
2061
Net Worth Ratio
risk
Value:
10.47%
Peer Avg: 16.43%
#2061 of 2596
Bottom 20.6% in <100M tier
1992
Net Charge-Off Rate
risk
Value:
0.67%
Peer Avg: 0.57%
#1992 of 2596
Bottom 23.3% in <100M tier
1987
Total Assets
balance_sheet
Value:
$6.19M
Peer Avg: $29.86M
#1987 of 2596
Bottom 23.5% in <100M tier
1983
Total Members
engagement
Value:
812
Peer Avg: 2,626
#1983 of 2596
Bottom 23.7% in <100M tier