Fort Morgan Schools Federal Credit Union is a federal credit union headquartered in Fort Morgan, Colorado, in business for about 71 years. At the end of Q2 2026 it reported $5.6M in total assets and $4.8M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Fort Morgan Schools Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Colorado, it ranks 16th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (13/100; -0.17%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 73 |
| Q4 2024 | 78 |
| Q1 2025 | 74 |
| Q2 2025 | 79 |
| Q3 2025 | 78 |
| Q4 2025 | 79 |
| Q1 2026 | 78 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.29% |
| Q3 2024 | 16.12% |
| Q4 2024 | 15.53% |
| Q1 2025 | 14.88% |
| Q2 2025 | 15.82% |
| Q3 2025 | 15.61% |
| Q4 2025 | 15.49% |
| Q1 2026 | 15.06% |
| Q2 2026 | 14.47% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.20% |
| Q1 2025 | -0.98% |
| Q2 2025 | 0.05% |
| Q3 2025 | -0.33% |
| Q4 2025 | -0.25% |
| Q1 2026 | -1.32% |
| Q2 2026 | -0.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $5.6M | 14.47% | 0.00% | -0.17% | 70.1% |
| Q1 2026 | 78 | $5.4M | 15.06% | 0.00% | -1.32% | 76.3% |
| Q4 2025 | 79 | $5.3M | 15.49% | 0.00% | -0.25% | 80.7% |
| Q3 2025 | 78 | $5.2M | 15.61% | 0.00% | -0.33% | 83.8% |
| Q2 2025 | 79 | $5.2M | 15.82% | 0.19% | 0.05% | 87.4% |
| Q1 2025 | 74 | $5.5M | 14.88% | 0.20% | -0.98% | 83.6% |
| Q4 2024 | 78 | $5.3M | 15.53% | 0.42% | 0.20% | 86.2% |
| Q3 2024 | 73 | $5.1M | 16.12% | 1.00% | 0.36% | 91.3% |
| Q2 2024 | 74 | $5.0M | 16.29% | 0.61% | 0.06% | 95.5% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Moffat County Schools Federal Credit UnionCredit union Craig, CO | 84 out of 100, Strong | $5.7M | 13.1% | 0.00% | vs |
| Options Credit UnionCredit union Littleton, CO | 41 out of 100, Below average | $5.5M | 7.0% | 1.20% | vs |
| Valley Educators Credit UnionCredit union Alamosa, CO | 56 out of 100, Moderate | $6.1M | 22.0% | 2.42% | vs |
| Co-Ne Federal Credit UnionCredit union Julesburg, CO | 63 out of 100, Moderate | $4.2M | 8.7% | 0.00% | vs |
| One Thirteen Credit UnionCredit union Colorado Spring, CO | 43 out of 100, Below average | $8.5M | 9.4% | 2.25% | vs |
| Rio Blanco Schools Federal Credit UnionCredit union Rangely, CO | 82 out of 100, Strong | $9.0M | 16.9% | 0.46% | vs |
Deposit insurance
Is my money safe at Fort Morgan Schools Federal Credit Union?
Yes. Fort Morgan Schools Federal Credit Union is a federally insured credit union (NCUA charter #10180). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.47%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Fort Morgan Schools Federal Credit Union lists 2 offices in 1 city. Most locations:
- Fort Morgan, CO (2)
Identity & history
Profile
- Legal name
- Fort Morgan Schools Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10180
- RSSD ID
- 166483
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- PO Box 547, Fort Morgan, CO 80701
- Employees
- 2
Quick answers
Fort Morgan Schools Federal Credit Union: common questions
Is Fort Morgan Schools Federal Credit Union NCUA insured?
Yes. Fort Morgan Schools Federal Credit Union is a federally insured credit union (NCUA charter #10180). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Fort Morgan Schools Federal Credit Union's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Fort Morgan Schools Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Morgan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers State Bank of BrushBank Brush, CO | 85 out of 100, Very strong | $116.6M | 20.1% | 0.13% | vs |
| Equitable Savings and Loan AssociationBank Sterling, CO | 75 out of 100, Strong | $168.3M | 15.7% | 0.22% | vs |
| Bank of ColoradoBank Fort Collins, CO | 74 out of 100, Strong | $7.6B | 10.5% | 0.10% | vs |
| High Plains BankBank Flagler, CO | 74 out of 100, Strong | $643.1M | 9.6% | 0.70% | vs |
| Golden Belt Bank, FSABank Hays, KS | 68 out of 100, Moderate | $373.5M | 10.1% | 0.41% | vs |
| Wray State BankBank Wray, CO | 61 out of 100, Moderate | $312.0M | 9.9% | 1.50% | vs |