Federal credit union · Craig, Colorado · NCUA charter #15230
Moffat County Schools
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $6.5M
- Total assets
- 802
- Members
- 9.2%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)93
- Asset quality (delinquency)100
- Earnings (ROA)92
- Member growth42
- Liquidity (loan-to-share)62
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.16% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.42% | 15% |
| Member Growth | -1.47% | 15% |
| Loan-to-Share Ratio | 36.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Moffat County Schools
The five-factor composite scores Moffat County Schools at 82/100 (Excellent), reflecting a net worth ratio of 9.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Craig, Colorado, reports 802 members, $6.5M in total assets, and $2.1M in outstanding loans as of Q4 2025 under charter #15230 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 36.78% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.42% on net income of $27K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.47%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Moffat County Schools financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Moffat County Schools's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.16% 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 82/100 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 9.16% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.