BlastPoint's Credit Union Scorecard
COWBOY COUNTRY
Charter #5935 · TX
COWBOY COUNTRY faces 8 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 4.80% below tier average
- - Efficiency ratio 10.62% above tier (higher cost structure)
- - Delinquency rate 4.20% above tier average
- - Member decline: -3.1% YoY
- - Net Charge-Off Rate: Bottom 2.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
- - Asset Growth Rate: Bottom 5.2% in tier
- - Deposit Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,260
-3.1% YoY-0.3% QoQ
|
-416 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$17.3M
-9.4% YoY-4.3% QoQ
|
$-12.9M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$11.2M
-14.0% YoY-4.5% QoQ
|
$-4.0M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$14.6M
-9.8% YoY-4.0% QoQ
|
$-11.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
-4.7%
-1706.9% YoY+261.0% QoQ
|
-4.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.8% in tier |
| NIM |
3.7%
+7.7% YoY-1.9% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
101.3%
+7.9% YoY+24.8% QoQ
|
+10.6% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
5.7%
+85.3% YoY-1.9% QoQ
|
+4.2 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.9% in tier |
| Loan To Share |
76.7%
-4.6% YoY-0.5% QoQ
|
+18.2% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$11,453
-8.8% YoY-4.0% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
28.4%
-15.4% YoY+7.7% QoQ
|
+4.1% | 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)