BlastPoint's Credit Union Scorecard
MOFFAT COUNTY SCHOOLS
Charter #15230 · CO
MOFFAT COUNTY SCHOOLS has 3 strengths but faces 3 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
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Efficiency ratio 21.63% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
802
-1.5% YoY-0.2% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$6.5M
+2.5% YoY-3.1% QoQ
|
$-23.7M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.1M
-11.3% YoY-1.4% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$5.7M
+3.5% YoY-3.1% QoQ
|
$-20.0M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
-0.5%
-217.4% YoY+135.1% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.6% in tier |
| NIM |
2.6%
-12.4% YoY+5.4% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
104.2%
+16.8% YoY-2.9% QoQ
|
+21.6% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
Top 8.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
36.8%
-14.3% YoY+1.8% QoQ
|
-23.8% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$9,777
+0.6% YoY-2.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
4.5%
+1.2% YoY+4.0% QoQ
|
-19.9% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)