Cowboy Country

PREMONT, TX · 1 · Charter #5935 · www.cowboycountry.virtualcu.
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
$18.0M
59th percentile
Members
2,266
72th percentile
Total loans
$11.8M
71th percentile
Total shares
$14.8M
58th percentile

Profitability

Return on assets
-0.16%
13th percentile
Net interest margin
3.78%
43th percentile
Efficiency ratio
60.37%
64th percentile
Non-interest income ratio
19.98%
82th percentile

Capital & Risk

Net worth ratio
14.77%
49th percentile
Delinquency rate
5.81%
6th percentile
Net charge-off rate
1.75%
8th percentile
Loan-to-share
79.76%
76th percentile

Growth

Member growth YoY
-5.50%
15th percentile
Asset growth YoY
-1.88%
30th percentile
Loan growth YoY
-10.17%
24th percentile
Share growth YoY
-2.31%
33th percentile

Operations

Members / branch
2,266
83th percentile
Assets / member
$7,962
38th percentile
Field of membership penetration
75.53%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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