Cochran County Schools

MORTON, TX · 1 · Charter #14166 · www.cochrancountyschoolsfcu.
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.2M
39th percentile
Members
885
33th percentile
Total loans
$4.0M
37th percentile
Total shares
$7.7M
40th percentile

Profitability

Return on assets
0.92%
55th percentile
Net interest margin
4.58%
72th percentile
Efficiency ratio
42.64%
91th percentile
Non-interest income ratio
4.58%
32th percentile

Capital & Risk

Net worth ratio
15.66%
55th percentile
Delinquency rate
1.00%
41th percentile
Net charge-off rate
1.70%
8th percentile
Loan-to-share
51.32%
36th percentile

Growth

Member growth YoY
-0.34%
63th percentile
Asset growth YoY
-6.84%
11th percentile
Loan growth YoY
-10.48%
23th percentile
Share growth YoY
-8.42%
11th percentile

Operations

Members / branch
885
42th percentile
Assets / member
$10,408
59th percentile
Field of membership penetration
91.71%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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