Federal credit union · Fort Morgan, Colorado · NCUA charter #10180
Fort Morgan Schools
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $5.3M
- Total assets
- 443
- Members
- 15.1%
- Net-worth ratio
Fort Morgan Schools scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.3M; members 443; net-worth ratio 15.06%; health rank #2,560 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,560 of 4,374 health · 2025Q4Fort Morgan Schools · health 81/100 · $5.3M · 2025Q4
- HEALTH 81/100
- NW 15.1%
- DELQ 0.00%
- ROA 0.21%
- ASSETS $5.3M
- MEM 443
- RANK #2,560/4,374
- PHOTO n/a
- BOOK 10180
Call Report peers
Fort Morgan Schools carries $5.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Fort Morgan Schools vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Fort Morgan Schools - Share Insurance Coverage
Charter #10180's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Fort Morgan Schools diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 80.70% vs peer 63.60% (+17.10 pp).
- Largest lag: Net Worth Ratio at 15.06% vs peer 19.06% (-4.00 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Colorado standing for Fort Morgan Schools
- Health composite ranks #38 of 66 among scored Colorado credit unions.
- Colorado assets place: #61 of 66.
- Colorado membership ordinal: #63 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Fort Morgan Schools: 2025Q4 → 2026Q1
Fort Morgan Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $5.3M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted -0.43 pp (15.49% → 15.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Fort Morgan Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.06% | -4.00 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.21% | -0.25 pp |
| Member Growth | -13.14% | - |
| Loan-to-Share Ratio | 80.70% | +17.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.4M | - |
| 2025Q4 | $5.3M | 443 |
| 2024Q4 | $5.3M | 510 |
| 2023Q4 | $4.5M | 523 |
Credit Union Details
- Charter Number
- 10180
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Colorado
- City
- Fort Morgan
- Data Quarter
- 2025Q4
Branch Locations (3)
Fort Morgan Schools operates 3 offices in Fort Morgan, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Larrick Building (Main Office) | Fort Morgan, CO |
| Home | Fort Morgan, CO |
| Main Office | Fort Morgan, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Fort Morgan Schools
Fort Morgan Schools's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Fort Morgan Schools ranks #2,560 of 4,374 nationally on financial health and #38 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Haxtun Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Haxtun Community
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Fort Morgan Schools financially healthy?
A 15.06% net worth ratio and a 0.00% delinquency rate feed into Fort Morgan Schools's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,560 of 4,374; by total assets it ranks #3,867 of 4,374 nationally (same basis as /rankings/largest); and #61 of 66 within Colorado. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Fort Morgan Schools compare to other credit unions?
Five weighted metrics from NCUA filings produce Fort Morgan Schools's 81/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Fort Morgan Schools?
Fort Morgan Schools operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Fort Morgan Schools directly for the exact boundaries and application steps.
Is my money safe at Fort Morgan Schools?
Federal credit unions like Fort Morgan Schools are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Fort Morgan Schools's net worth ratio of 15.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Morgan Schools offer compared to banks?
Credit unions like Fort Morgan Schools are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Fort Morgan Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.