Federal credit union · Craig, Colorado · NCUA charter #15230
Moffat County Schools
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $6.5M
- Total assets
- 802
- Members
- 11.3%
- Net-worth ratio
Moffat County Schools scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.5M; members 802; net-worth ratio 11.27%; health rank #1,988 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,988 of 4,374 health · 2025Q4Moffat County Schools · health 85/100 · $6.5M · 2025Q4
- ROA 85/100
- ASSETS 11.3%
- MEM 0.00%
- RANK 0.42%
- PHOTO $6.5M
- BOOK 802
- CHARTER #1,988/4,374
- NCUSIF n/a
- CAMELS 15230
Call Report peers
Moffat County Schools carries $6.5M 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.
Moffat County 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
85 Top 46% higher than 54% 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
Moffat County Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15230 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Moffat County Schools vs $2M–$10M peers
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Largest lag: Loan-to-Share Ratio at 36.78% vs peer 63.60% (-26.82 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Moffat County Schools: in-state Call Report ranks
- Colorado health ordinal: #27 of 66.
- Assets rank #58 of 66 inside Colorado ($6.5M reported).
- Colorado membership ordinal: #58 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.
How Moffat County Schools's 5300 filing moved
Moffat County Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $6.5M (2025Q4) to $6.6M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.31% → 11.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.9 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 9.8 pts
Moffat County Schools vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.27% | -7.79 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.42% | -0.03 pp |
| Member Growth | -1.47% | - |
| Loan-to-Share Ratio | 36.78% | -26.82 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).
Moffat County Schools quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.6M | - |
| 2025Q4 | $6.5M | 802 |
| 2024Q4 | $6.3M | 814 |
| 2023Q4 | $5.6M | 859 |
Credit Union Details
- Charter Number
- 15230
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Colorado
- City
- Craig
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Moffat County Schools runs one office.
| Office | City |
|---|---|
| MOFFAT COUNTY SCHOOLS FEDERAL CREDIT UNION (Main Office) | Craig, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Moffat County Schools, both outside Colorado so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Moffat County Schools ranks #1,988 of 4,374 nationally on financial health and #27 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Valley Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Valley Educators
- 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 Moffat County Schools financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Moffat County Schools's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,988 of 4,374; by total assets it ranks #3,762 of 4,374 nationally (same basis as /rankings/largest); and #58 of 66 within Colorado. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.27% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Moffat County Schools compare to other credit unions?
Five weighted metrics from NCUA filings produce Moffat County Schools's 85/100 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 Moffat County Schools?
Moffat County 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 Moffat County Schools directly for the exact boundaries and application steps.
Is my money safe at Moffat County Schools?
Federal credit unions like Moffat County 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. Moffat County Schools's net worth ratio of 11.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Moffat County Schools offer compared to banks?
Credit unions like Moffat County 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 Moffat County 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.