Side-by-side · Q2 2026 data
Fort Morgan Schools Federal Credit Union vs Valley Educators 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 | Valley Educators Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 56 |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 100 (stronger) | 19 |
| Earnings | 13 | 14 (stronger) |
| Funding & liquidity | 90 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 65th | 16th |
| Total assets | $5.6M | $6.1M |
| Deposits / shares | $4.8M | $4.8M |
| Capital ratio | 14.47% | 21.96% (stronger) |
| Problem loans | 0.00% (stronger) | 2.42% |
| Net charge-offs | 0.00% (stronger) | 1.89% |
| Return on assets | -0.17% | -0.15% (stronger) |
| Loans ÷ deposits | 70.1% (stronger) | 92.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fort Morgan Schools Federal Credit Union has the higher TellerScore (80 vs 56). On the 6 directional measures above (where higher or lower is clearly better), Fort Morgan Schools Federal Credit Union leads on 4 and Valley Educators Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.