MOFFAT COUNTY SCHOOLS
Charter #15230 | CO
<100M
(2596 CUs)
Micro
($0-$500M)
29 <100M in CO
MOFFAT COUNTY SCHOOLS has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.7% in tier
- + Asset Growth Rate: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 25.86% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Net Interest Margin (NIM): Bottom 7.2% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
804
-2.7% YoY-0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Bottom 23.1% in tier |
| Assets |
$6.7M
+11.5% YoY-0.8% QoQ
|
$-23.2M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 24.5% in tier |
| Loans |
$2.1M
-16.5% YoY-7.1% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 18.5% in tier |
| Deposits |
$5.9M
+13.3% YoY-0.9% QoQ
|
$-19.5M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
-0.2%
-144.0% YoY-30.0% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.1% in tier |
| NIM |
2.5%
-21.9% YoY-0.5% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio |
107.3%
+21.2% YoY-2.7% QoQ
|
+25.9% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
36.1%
-26.3% YoY-6.2% QoQ
|
-25.1% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 15.2% in tier |
| AMR |
$10,022
+6.3% YoY-2.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
29th in tier |
| CD Concentration |
4.4%
-14.5% YoY+3.4% QoQ
|
-20.0% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-8.4% 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
124
Deposit Growth Rate
growth
Value:
13.29%
Peer Avg: 16.80%
#124 of 2596
Top 4.7% in <100M tier
159
Asset Growth Rate
growth
Value:
11.46%
Peer Avg: 1.82%
#159 of 2596
Top 6.1% in <100M tier
517
AMR Growth Rate
growth
Value:
6.32%
Peer Avg: 4.67%
#517 of 2596
Top 19.9% in <100M tier
Top Weaknesses (11 metrics)
2416
Efficiency Ratio
profitability
Value:
107.25%
Peer Avg: 81.39%
#2416 of 2596
Bottom 7.0% in <100M tier
2409
Net Interest Margin (NIM)
profitability
Value:
2.46%
Peer Avg: 3.93%
#2409 of 2596
Bottom 7.2% in <100M tier
2386
Net Charge-Off Rate
risk
Value:
1.55%
Peer Avg: 0.57%
#2386 of 2596
Bottom 8.1% in <100M tier
2354
Loan Growth Rate
growth
Value:
-16.50%
Peer Avg: 59.01%
#2354 of 2596
Bottom 9.4% in <100M tier
2296
Fee Income Per Member
profitability
Value:
$3.03
Peer Avg: $182.96
#2296 of 2596
Bottom 11.6% in <100M tier
2283
Return on Assets (ROA)
profitability
Value:
-0.22%
Peer Avg: 0.68%
#2283 of 2596
Bottom 12.1% in <100M tier
2198
Loan-to-Share Ratio
balance_sheet
Value:
36.13%
Peer Avg: 61.23%
#2198 of 2596
Bottom 15.4% in <100M tier
2116
Total Loans
balance_sheet
Value:
$2.14M
Peer Avg: $15.77M
#2116 of 2596
Bottom 18.5% in <100M tier
2081
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,660
Peer Avg: $5,488
#2081 of 2596
Bottom 19.9% in <100M tier
1996
Total Members
engagement
Value:
804
Peer Avg: 2,626
#1996 of 2596
Bottom 23.2% in <100M tier