BlastPoint's Credit Union Scorecard
COWBOY COUNTRY
Charter #5935 ยท TX
2596 CUs in <100M nationally
245 in TX
COWBOY COUNTRY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.78% below tier average
- - Delinquency rate 3.07% above tier average
- - Member decline: -5.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,266
-5.4% YoY+0.0% QoQ
|
-359 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$18.4M
+2.8% YoY-1.0% QoQ
|
$-11.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$12.4M
-9.3% YoY-4.2% QoQ
|
$-3.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$15.6M
+2.7% YoY-0.7% QoQ
|
$-9.9M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
46% |
| ROA |
-1.1%
-55.5% YoY-223.4% QoQ
|
-1.8% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.2% in tier |
| NIM |
3.7%
-17.6% YoY+4.3% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
78.6%
+1.8% YoY-1.7% QoQ
|
-2.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
4.6%
+47.0% YoY+1.9% QoQ
|
+3.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 6.7% in tier |
| Loan To Share |
79.6%
-11.7% YoY-3.6% QoQ
|
+18.4% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$12,367
+2.6% YoY-2.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
31.4%
-6.0% YoY-1.6% QoQ
|
+7.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
594
Loan-to-Share Ratio
balance_sheet
Value:
79.62%
Peer Avg: 61.23%
#594 of 2596
Top 22.8% in <100M tier
Top Weaknesses (6 metrics)
2462
Return on Assets (ROA)
profitability
Value:
-1.10%
Peer Avg: 0.68%
#2462 of 2596
Bottom 5.2% in <100M tier
2422
Total Delinquency Rate (60+ days)
risk
Value:
4.58%
Peer Avg: 1.51%
#2422 of 2596
Bottom 6.7% in <100M tier
2377
Net Charge-Off Rate
risk
Value:
1.52%
Peer Avg: 0.57%
#2377 of 2596
Bottom 8.5% in <100M tier
2201
Member Growth Rate
growth
Value:
-5.43%
Peer Avg: 14.92%
#2201 of 2596
Bottom 15.3% in <100M tier
2196
Share Certificate Concentration (%)
balance_sheet
Value:
31.37%
Peer Avg: 15.37%
#2196 of 2596
Bottom 15.4% in <100M tier
1989
Loan Growth Rate
growth
Value:
-9.30%
Peer Avg: 59.01%
#1989 of 2596
Bottom 23.4% in <100M tier