Side-by-side · Q2 2026 data
Wray State Bank vs Fort Morgan Schools Federal Credit Union
Credit union
Fort Morgan Schools Federal Credit Union
Fort Morgan, Colorado · Under $100 million in assets
Metric by metric
| Measure | Wray State Bank | Fort Morgan Schools Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 49 | 95 (stronger) |
| Loan quality | 50 | 100 (stronger) |
| Earnings | 75 (stronger) | 13 |
| Funding & liquidity | 74 | 90 (stronger) |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 20th | 65th |
| Total assets | $312.0M | $5.6M |
| Deposits / shares | $277.8M | $4.8M |
| Capital ratio | 9.92% | 14.47% (stronger) |
| Problem loans | 1.50% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.37% (stronger) | -0.17% |
| Loans ÷ deposits | 80.2% | 70.1% (stronger) |
| Uninsured deposits | 20.6% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Fort Morgan Schools Federal Credit Union has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Wray State Bank leads on 1 and Fort Morgan Schools Federal Credit Union on 6. 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.