Cosden

BIG SPRING, TX · 1 · Charter #1750 · www.cosden.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$59.4M
11th percentile
Members
4,213
16th percentile
Total loans
$33.0M
18th percentile
Total shares
$51.5M
12th percentile

Profitability

Return on assets
1.39%
72th percentile
Net interest margin
5.39%
98th percentile
Efficiency ratio
73.13%
18th percentile
Non-interest income ratio
21.16%
69th percentile

Capital & Risk

Net worth ratio
12.38%
52th percentile
Delinquency rate
0.40%
73th percentile
Net charge-off rate
0.67%
20th percentile
Loan-to-share
63.97%
43th percentile

Growth

Member growth YoY
-7.26%
6th percentile
Asset growth YoY
-1.70%
12th percentile
Loan growth YoY
11.83%
90th percentile
Share growth YoY
-2.55%
10th percentile

Operations

Members / branch
4,213
73th percentile
Assets / member
$14,089
47th percentile
Field of membership penetration
16.85%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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