Moffat County Schools Federal Credit Union Craig, Colorado
Moffat County Schools Federal Credit Union is a federal credit union headquartered in Craig, CO, established in 1962 (NCUA charter 15230), and it is regulated and insured by the NCUA. At Q2 2026 it reported 779 members and total assets of $5.7M (down 14.8% from Q2 2025), the 55th largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 13.09% at Q2 2026, in the well capitalized band.
Also written as Moffat County Schools FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 15230
- Headquarters
- Craig, CO
- Established
- 1962
- Total assets, Q2 2026
- $5.7M
- Assets vs Q2 2025
- -14.8%
- Members, Q2 2026
- 779
- Net worth ratio, Q2 2026
- 13.09%
- Latest call report
- Q2 2026, NCUA 5300 · Moffat County Schools Federal Credit Union call report
- Asset rank in state
- 55th of 61 in Colorado
- Routing number
- 302174935
- Branches
- 1
It has 26 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was up 1.86 percentage points from 11.23% on June 30, 2025. Used vehicle loans are its largest loan category, $989K of $1.9M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Colorado
Frequently asked about Moffat County Schools Federal Credit Union
How big is Moffat County Schools Federal Credit Union?
At Q2 2026 it reported total assets of $5.7M and 779 members.
Where is Moffat County Schools Federal Credit Union headquartered?
It is headquartered in Craig, CO, United States.
When was Moffat County Schools Federal Credit Union founded?
It was established in 1962, per NCUA records.
Is Moffat County Schools Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 15230): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Moffat County Schools Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Moffat County Schools Federal Credit Union well capitalized?
Its net worth ratio was 13.09% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Moffat County Schools Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 39.05% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Craig, CO 81625
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1962
- NCUA Charter #
- 15230
- RSSD ID
- 36689
- Members
- 779
- Potential members
- 1,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.09% | 14.31% | 40th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.62% | 0.72% | 46th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.72% | 4.74% | 50th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.88% | 3.93% | 48th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 89.47% | 79.83% | 30th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.27% | 0.78% | 24th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.15% | 4.70% | 68th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 39.05% | 58.92% | 21st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.7M total assets against $6.7M; $5.0M total shares and deposits against $6.0M; $1.9M total loans against $2.3M.
$752K net worth against $757K.
13.09% net worth ratio against 11.23%.
39.05% loan-to-share ratio against 38.52%.
0.62% return on assets against -0.36%; 4.72% return on equity against -3.20%.
3.88% net interest margin against 2.30%.
779 members against 805.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.09% | 0.62% | — | 39.05% |
| March 31, 2026 | 11.27% | 0.58% | 0.10% | 35.36% |
| December 31, 2025 | 11.31% | -1.43% | — | 36.78% |
| September 30, 2025 | 11.31% | -0.04% | — | 36.13% |
| June 30, 2025 | 11.23% | -0.36% | 2.34% | 38.52% |
| March 31, 2025 | 11.59% | -0.28% | 2.29% | 37.79% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.