BlastPoint's Credit Union Scorecard
COCHRAN COUNTY SCHOOLS
Charter #14166 · TX
COCHRAN COUNTY SCHOOLS has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Share Certificate Concentration (%): Bottom 3.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +4.6% year over year ($8.7M in shares and deposits).
- Membership: 900 members, +2.9% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 0.34%.
- Efficiency ratio 69.64% vs a 88.77% peer average.
- Loan-to-share ratio 45.97% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
900
+2.9% YoY+0.9% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$10.2M
+3.5% YoY+9.2% QoQ
|
$-20.1M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$4.0M
-4.9% YoY+4.0% QoQ
|
$-11.5M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$8.7M
+4.6% YoY+10.4% QoQ
|
$-17.1M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
0.3%
-82.1% YoY-174.1% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
4.4%
+1.0% YoY+9.6% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
69.6%
+1.1% YoY-13.9% QoQ
|
-19.1% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.8%
-73.8% YoY-53.4% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
46.0%
-9.1% YoY-5.8% QoQ
|
-12.9% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$14,047
-1.4% YoY+7.4% QoQ
|
$-916 |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
51.7%
+14.8% YoY+14.3% QoQ
|
+27.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)