BlastPoint's Credit Union Scorecard
COCHRAN COUNTY SCHOOLS
Charter #14166 · TX
COCHRAN COUNTY SCHOOLS faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Delinquency rate 0.15% above tier average
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Share Certificate Concentration (%): Bottom 5.3% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
892
+1.0% YoY+0.8% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$9.3M
-5.1% YoY+1.2% QoQ
|
$-20.9M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$3.8M
-13.2% YoY-3.4% QoQ
|
$-11.5M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$7.8M
-5.0% YoY+1.6% QoQ
|
$-17.9M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
-0.5%
-117.0% YoY-150.0% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.5% in tier |
| NIM |
4.0%
-8.1% YoY-13.6% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
80.8%
+34.6% YoY+19.6% QoQ
|
-9.8% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
1.7%
+476.7% YoY+65.8% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
48.8%
-8.6% YoY-4.9% QoQ
|
-9.7% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$13,085
-8.8% YoY-0.9% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
45.2%
+0.5% YoY-0.2% QoQ
|
+20.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)