BlastPoint's Credit Union Scorecard
COSDEN
Charter #1750 · TX
COSDEN has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 1.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.2% in tier
- + Loan Growth Rate: Top 8.7% in tier
- + AMR Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.3% YoY
- - Member Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,213
-7.3% YoY+0.7% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$59.4M
-1.7% YoY-0.5% QoQ
|
+$29.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$33.0M
+11.8% YoY+0.5% QoQ
|
+$17.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$51.5M
-2.6% YoY-0.2% QoQ
|
+$25.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
1.1%
-15.1% YoY-39.5% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
5.4%
+34.3% YoY-4.2% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
80.2%
+1.4% YoY+5.6% QoQ
|
-2.4% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.4%
+29.5% YoY+73.3% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
64.0%
+14.8% YoY+0.7% QoQ
|
+3.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$20,052
+10.6% YoY-0.7% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
6.2%
+46.7% YoY+34.4% QoQ
|
-18.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)