Side-by-side · Q2 2026 data
Moffat County Schools Federal Credit Union vs Valley Educators Credit Union
Credit union
Moffat County Schools Federal Credit Union
Craig, Colorado · Under $100 million in assets
Metric by metric
| Measure | Moffat County Schools Federal Credit Union | Valley Educators Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 56 |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 100 (stronger) | 19 |
| Earnings | 46 (stronger) | 14 |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 75th | 16th |
| Total assets | $5.7M | $6.1M |
| Deposits / shares | $5.0M | $4.8M |
| Capital ratio | 13.09% | 21.96% (stronger) |
| Problem loans | 0.00% (stronger) | 2.42% |
| Net charge-offs | 0.15% (stronger) | 1.89% |
| Return on assets | 0.64% (stronger) | -0.15% |
| Loans ÷ deposits | 39.1% (stronger) | 92.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Moffat County Schools Federal Credit Union has the higher TellerScore (84 vs 56). On the 6 directional measures above (where higher or lower is clearly better), Moffat County Schools Federal Credit Union leads on 5 and Valley Educators Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.