PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Moffat County Schools

Craig, CO · Charter 15230

NCUA · 1 branch

Q2 2026

$5.7MAssets
$1.9MLoans
$5.0MShares
$752KNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, up 95 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (-234 bps YoY).
  • Capital: net worth / assets of 13.09%, up 186 bps from a year ago.
  • Funding: loans stand at 39.05% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.64%+95 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+158 bps YoY

Efficiency Ratio (YTD, annualized)

87.02%-2,315 bps YoY

Net Worth / Assets

13.09%+186 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.43%-0.28%-0.31%-0.22%-0.53%0.58%0.64%+95 bps
Return on Equity3.90%3.58%-2.38%-2.80%-1.97%-4.69%5.12%4.89%+769 bps
Net Interest Margin3.10%2.89%2.65%2.45%2.47%2.64%3.63%4.03%+158 bps
Efficiency Ratio88.51%89.22%112.53%110.18%107.25%104.19%84.73%87.02%-2,315 bps
Growth
Asset Growth (YoY)9.82%12.32%15.35%16.68%11.46%2.51%0.07%-14.84%-3,152 bps
Loan Growth (YoY)-21.72%-27.02%-23.44%-15.90%-16.50%-11.25%-6.06%-15.56%+34 bps
Share Growth (YoY)10.23%13.50%17.54%19.17%13.29%3.53%0.41%-16.70%-3,587 bps
Asset Quality
Delinquent Loans / Loans2.03%2.12%2.29%2.34%0.00%0.00%0.10%0.00%-234 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.65%0.65%0.65%0.76%-0.54%0.64%0.59%0.40%-36 bps
Capital
Risk-Based Capital12.71%12.14%11.59%11.23%11.31%11.31%11.27%13.09%+186 bps
Net Worth / Assets12.71%12.14%11.59%11.23%11.31%11.31%11.27%13.09%+186 bps
Liquidity & Funding
Loans / Shares49.02%42.91%37.79%38.52%36.13%36.78%35.36%39.05%+53 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps