FCS Rankings We'd likely have to beat Montana and go 10-2 to be a top-5 team, or a scenario where we hammer Sac and UNC but lose tight games to the Montana's. But a 9-3 UCD is definitely behind NDSt, SDSt and Montana St. And I would argue you'd have to give a 9-3 Montana the edge on H2H, even if you consider them basically even. A 9-3 South Dakota would probably be above us (losses to Wisconsin, SDSt by 3 in OT and then NDSt). But I agree that 14 is probably too low.
I don't know enough about the bottom to speak on NAU, but Idaho being #5 vs. us at #14 definitely stood out to me. We'd both have an FBS loss and a loss to Montana State. They would have lost to us while we lost to Montana. I'm sure you could make an argument for them to be ahead of us, but not 9 spots.