Cosden
Big Spring, TX · Charter 1750 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$63.5MAssets
$33.6MLoans
$55.9MShares
$7.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets in TX (rank 7 of 235).
- Widest gap: equity / assets trails 72% of credit unions under $1B in assets in TX (rank 169 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.68%
Rank 22 of 235
Net Interest Margin
5.57%
Rank 8 of 235
Efficiency Ratio
76.09%
Rank 88 of 235
Equity / Assets
11.60%
Rank 169 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.17% | 0.57% | 1.10% | Beats 91% | 22 / 235 | |
| Return on Equity | 14.52% | 1.03% | 4.30% | 7.58% | Beats 97% | 7 / 235 | |
| Net Interest Margin | 5.57% | 3.32% | 3.89% | 4.35% | Beats 97% | 8 / 235 | |
| Efficiency Ratio | 76.09% | 70.60% | 82.00% | 91.57% | Beats 63% | 88 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.59% | 1.14% | Beats 79% | 50 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.60% | 11.30% | 14.41% | 19.49% | Beats 28% | 169 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.60% | 11.30% | 14.41% | 19.49% | Beats 28% | 169 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 60.14% | 54.18% | 67.38% | 81.66% | 35th pctl | 153 / 235 | |
| Loans / Assets | 52.94% | 43.80% | 56.63% | 68.64% | 43rd pctl | 135 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |