PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cosden

Big Spring, TX · Charter 1750

NCUA · 1 branch

Q2 2026

$63.5MAssets
$33.6MLoans
$55.9MShares
$7.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.68%, up 38 bps year over year; NIM at 5.57%.
  • Asset quality: problem loans at 0.15% of loans (+5 bps YoY).
  • Capital: net worth / assets of 11.60%, up 20 bps from a year ago.
  • Funding: loans stand at 60.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.68%+38 bps YoY

Net Interest Margin (YTD, annualized)

5.57%+106 bps YoY

Efficiency Ratio (YTD, annualized)

76.11%-319 bps YoY

Net Worth / Assets

11.60%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.75%1.06%0.55%1.68%+38 bps
Return on Equity11.45%14.09%8.54%4.78%14.51%+306 bps
Net Interest Margin4.51%5.65%5.39%4.18%5.57%+106 bps
Efficiency Ratio79.30%75.94%80.20%90.19%76.11%-319 bps
Growth
Asset Growth (YoY)-0.19%-2.08%-1.70%0.19%5.37%+556 bps
Loan Growth (YoY)25.34%15.39%11.83%11.14%2.71%-2,262 bps
Share Growth (YoY)-1.09%-4.47%-2.55%-0.77%5.77%+687 bps
Asset Quality
Delinquent Loans / Loans0.10%0.23%0.40%0.06%0.15%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.39%12.45%12.38%11.55%11.60%+20 bps
Net Worth / Assets11.39%12.45%12.38%11.55%11.60%+20 bps
Liquidity & Funding
Loans / Shares61.93%63.53%63.97%60.23%60.14%-179 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps