BlastPoint's Credit Union Scorecard
COCHRAN COUNTY SCHOOLS
Charter #14166 · TX
COCHRAN COUNTY SCHOOLS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.67% above tier average
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.2% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
- - AMR Growth Rate: Bottom 7.6% in tier
- - Asset Growth Rate: Bottom 9.1% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
885
-0.3% YoY+0.9% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$9.2M
-6.8% YoY+1.8% QoQ
|
$-20.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$4.0M
-10.5% YoY-4.9% QoQ
|
$-11.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$7.7M
-8.4% YoY+2.6% QoQ
|
$-18.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.9%
-18.7% YoY-33.2% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
4.6%
+21.7% YoY+1.9% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
67.6%
-3.0% YoY+0.9% QoQ
|
-15.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
1.0%
-7.8% YoY-27.0% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
51.3%
-2.3% YoY-7.3% QoQ
|
-9.3% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$13,200
-8.8% YoY-1.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
45.3%
-9.3% YoY+5.4% QoQ
|
+20.9% | 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)