BlastPoint's Credit Union Scorecard
COSDEN
Charter #1750 · TX
COSDEN has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 0.18% above tier average
- + Fee Income Per Member: Top 4.0% in tier
- + AMR Growth Rate: Top 6.5% in tier
- + Loan Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.9% YoY
- - Net Charge-Off Rate: Bottom 5.2% in tier
- - Member Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,272
-7.9% YoY+1.4% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$63.8M
+0.2% YoY+7.5% QoQ
|
+$33.6M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$33.6M
+11.1% YoY+2.1% QoQ
|
+$18.4M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 14.1% in tier |
| Deposits |
$55.9M
-0.8% YoY+8.4% QoQ
|
+$30.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 14.8% in tier |
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| ROA |
0.6%
-74.6% YoY-47.7% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
4.2%
-1.2% YoY-22.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
90.2%
+29.0% YoY+12.5% QoQ
|
-0.4% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.1%
-73.4% YoY-84.7% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
60.2%
+12.0% YoY-5.9% QoQ
|
+1.7% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$20,948
+12.3% YoY+4.5% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration |
6.8%
+68.3% YoY+9.8% QoQ
|
-17.5% | 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)