MOFFAT COUNTY SCHOOLS
Charter #15230 · Craig, CO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.42% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 38th — a 38-point gap showing why the peer definition matters.
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 | MOFFAT COUNTY SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.59M | 76th pct | 38th pct |
| Members | 805 | 70th pct | 36th pct |
| Net worth ratio | 11.27% | 18th pct | 43th pct |
| Return on average assets | 0.58% | 57th pct | 61th pct |
| Net interest margin | 3.66% | 38th pct | 39th pct |
| Cost of funds | 1.42% | 76th pct | 82th pct |
| Loan-to-share | 35.36% | 25th pct | 38th pct |
| Delinquency 60+ days | 0.10% | 31th pct | 20th pct |
| Net charge-off ratio | 0.00% | 22th pct | 28th pct |
| Loan growth YoY | -3.60% | 58th pct | 74th pct |
| Share growth YoY | -1.51% | 37th pct | 30th pct |
| Efficiency ratio | 84.73% | 47th pct | 43th pct |
structural peer set hash: 7b5458eaa2bcff9985f5815216c78de0… (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.