Cowboy Country
Premont, TX · Charter 5935 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$16.8MAssets
$10.9MLoans
$14.3MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 54% of credit unions under $1B in assets in TX (rank 108 of 235).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in TX (rank 234 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-4.74%
Rank 234 of 235
Net Interest Margin
3.84%
Rank 122 of 235
Efficiency Ratio
88.99%
Rank 163 of 235
Equity / Assets
14.86%
Rank 108 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.74% | 0.17% | 0.57% | 1.10% | Beats 0% | 234 / 235 | | |
| Return on Equity | -31.89% | 1.03% | 4.30% | 7.58% | Beats 0% | 234 / 235 | | |
| Net Interest Margin | 3.84% | 3.32% | 3.89% | 4.35% | Beats 48% | 122 / 235 | | |
| Efficiency Ratio | 88.99% | 70.60% | 82.00% | 91.57% | Beats 31% | 163 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.70% | 0.20% | 0.59% | 1.14% | Beats 2% | 232 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.86% | 11.30% | 14.41% | 19.49% | Beats 54% | 108 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.86% | 11.30% | 14.41% | 19.49% | Beats 54% | 108 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.20% | 54.18% | 67.38% | 81.66% | 67th pctl | 78 / 235 | | |
| Loans / Assets | 64.85% | 43.80% | 56.63% | 68.64% | 70th pctl | 71 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |