Side-by-side · Q2 2026 data
Fort Morgan Schools Federal Credit Union vs St. Michaels Federal Credit Union
Credit union
Fort Morgan Schools Federal Credit Union
Fort Morgan, Colorado · Under $100 million in assets
Credit union
St. Michaels Federal Credit Union
Craig, Colorado · Under $100 million in assets
Metric by metric
| Measure | Fort Morgan Schools Federal Credit Union | St. Michaels Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 95 (stronger) | 75 |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 13 | 95 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 65th | 80th |
| Total assets | $5.6M | $1.0M |
| Deposits / shares | $4.8M | $894K |
| Capital ratio | 14.47% (stronger) | 12.48% |
| Problem loans | 0.00% (stronger) | 0.61% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.17% | 1.88% (stronger) |
| Loans ÷ deposits | 70.1% | 45.8% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Michaels Federal Credit Union has the higher TellerScore (86 vs 80). On the 5 directional measures above (where higher or lower is clearly better), Fort Morgan Schools Federal Credit Union leads on 2 and St. Michaels Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.