FORT MORGAN SCHOOLS
Charter #10180 · Fort Morgan, CO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 445 sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -1.34% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.06% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.99% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FORT MORGAN SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.36M | 64th pct | 28th pct |
| Members | 445 | 39th pct | 3th pct |
| Net worth ratio | 15.06% | 39th pct | 59th pct |
| Return on average assets | -1.34% | 14th pct | 8th pct |
| Net interest margin | 3.06% | 22th pct | 5th pct |
| Cost of funds | 2.99% | 96th pct | 97th pct |
| Loan-to-share | 76.34% | 72th pct | 54th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -5.87% | 47th pct | 23th pct |
| Share growth YoY | 3.36% | 73th pct | 61th pct |
| Efficiency ratio | 82.41% | 44th pct | 52th pct |
structural peer set hash: c4c50b813f6592c71bfd1e2d21b3d4d5… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.