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Moffat County Schools Credit Union

Moffat County Schools Credit Union
Overview / Commentary
585 Tucker St
Craig, CO 81625

Moffat County Schools Credit Union is headquartered in Craig and is the 79th largest credit union in the state of Colorado. It is also the 5,264th largest credit union in the nation. It was established in 1962 and as of March of 2014, it had grown to 1 employees and 1,016 members. Moffat County Schools Credit Union has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Moffat County Schools Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Moffat County Schools Credit Union had $0 in non-current loans and owned real-estate with $507,000 in equity and loan loss allowances on hand to cover it. This gives Moffat County Schools Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
D

In the past year, Moffat County Schools Credit Union has decreased its total deposits by $-318,000, resulting in -6.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Moffat County Schools Credit Union has shown is below average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Moffat County Schools Credit Union has $4.98 million in assets with $507,000 in equity, resulting in a capitalization level of 10.17%, which is above average.

Institution Statistics

Overall
NCUA #15230
Year Chartered1962
Employees1
Primary Regulator
Assets and Liabilities
Assets$4.98 million
Loans$2.30 million
Deposits$4.50 million
Equity Capital$473,000
Loan Loss Allowance$34,000
Real Estate Owned$0
Historic Data - March 2013
Assets$5.31 million
Equity Capital$474,000
Loan Loss Allowance$35,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets0.16%
Return on Equity1.69%
Interest Income$29,000
Rates

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Locations


Moffat County Schools Credit Union Locations
Branch Office585 Tucker StCraig, CO 81625-1909