Cochran County Schools
Morton, TX · Charter 14166 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$10.2MAssets
$4.0MLoans
$8.7MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 78% of credit unions under $1B in assets in TX (rank 52 of 235).
- Widest gap: return on equity trails 66% of credit unions under $1B in assets in TX (rank 155 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.33%
Rank 152 of 235
Net Interest Margin
4.19%
Rank 72 of 235
Efficiency Ratio
69.66%
Rank 52 of 235
Equity / Assets
14.66%
Rank 113 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.33% | 0.17% | 0.57% | 1.10% | Beats 35% | 152 / 235 | |
| Return on Equity | 2.28% | 1.03% | 4.30% | 7.58% | Beats 34% | 155 / 235 | |
| Net Interest Margin | 4.19% | 3.32% | 3.89% | 4.35% | Beats 69% | 72 / 235 | |
| Efficiency Ratio | 69.66% | 70.60% | 82.00% | 91.57% | Beats 78% | 52 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.20% | 0.59% | 1.14% | Beats 37% | 149 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.66% | 11.30% | 14.41% | 19.49% | Beats 52% | 113 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.66% | 11.30% | 14.41% | 19.49% | Beats 52% | 113 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 45.96% | 54.18% | 67.38% | 81.66% | 14th pctl | 203 / 235 | |
| Loans / Assets | 39.12% | 43.80% | 56.63% | 68.64% | 18th pctl | 192 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |