Side-by-side · Q2 2026 data
Fort Morgan Schools Federal Credit Union vs Options Credit Union
Credit union
Fort Morgan Schools Federal Credit Union
Fort Morgan, Colorado · Under $100 million in assets
Metric by metric
| Measure | Fort Morgan Schools Federal Credit Union | Options Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 41 |
| Capital cushion | 95 (stronger) | 20 |
| Loan quality | 100 (stronger) | 60 |
| Earnings | 13 | 17 (stronger) |
| Funding & liquidity | 90 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 71 |
| Peer percentile | 65th | 3rd |
| Total assets | $5.6M | $5.5M |
| Deposits / shares | $4.8M | $5.0M |
| Capital ratio | 14.47% (stronger) | 7.02% |
| Problem loans | 0.00% (stronger) | 1.20% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | -0.17% | -0.06% (stronger) |
| Loans ÷ deposits | 70.1% (stronger) | 98.3% |
| Uninsured deposits | 0.0% (stronger) | 2.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fort Morgan Schools Federal Credit Union has the higher TellerScore (80 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Fort Morgan Schools Federal Credit Union leads on 5 and Options Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.