Side-by-side · Q2 2026 data
St. Michaels Federal Credit Union vs Moffat County Schools Federal Credit Union
Credit union
St. Michaels Federal Credit Union
Craig, Colorado · Under $100 million in assets
Credit union
Moffat County Schools Federal Credit Union
Craig, Colorado · Under $100 million in assets
Metric by metric
| Measure | St. Michaels Federal Credit Union | Moffat County Schools Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 75 | 81 (stronger) |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 95 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 80th | 75th |
| Total assets | $1.0M | $5.7M |
| Deposits / shares | $894K | $5.0M |
| Capital ratio | 12.48% | 13.09% (stronger) |
| Problem loans | 0.61% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.15% |
| Return on assets | 1.88% (stronger) | 0.64% |
| Loans ÷ deposits | 45.8% | 39.1% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Michaels Federal Credit Union has the higher TellerScore (86 vs 84). On the 6 directional measures above (where higher or lower is clearly better), St. Michaels Federal Credit Union leads on 3 and Moffat County Schools 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.
Where both have branches
- Craig, CO