BlastPoint's Credit Union Scorecard
COWBOY COUNTRY
Charter #5935 · TX
COWBOY COUNTRY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.17% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.27% above tier (higher cost structure)
- - Delinquency rate 5.15% above tier average
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
- - Asset Growth Rate: Bottom 5.1% in tier
- - AMR Growth Rate: Bottom 5.7% in tier
- - Deposit Growth Rate: Bottom 8.5% 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 -9.2% year over year ($14.3M in shares and deposits).
- Membership: 2,244 members, -0.9% vs a year ago.
- Delinquency rate 6.70%.
- Return on assets 4.67%.
- Efficiency ratio 89.04% vs a 88.77% peer average.
- Loan-to-share ratio 76.20% 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 |
2,244
-0.9% YoY-0.7% QoQ
|
-341 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$16.8M
-10.1% YoY-2.9% QoQ
|
$-13.5M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$10.9M
-16.2% YoY-3.3% QoQ
|
$-4.6M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$14.3M
-9.2% YoY-2.6% QoQ
|
$-11.5M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
4.7%
+424.5% YoY-200.2% QoQ
|
+3.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 1.8% in tier |
| NIM |
3.8%
+5.8% YoY+3.1% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
89.0%
+11.4% YoY-12.1% QoQ
|
+0.3% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
6.7%
+49.2% YoY+17.4% QoQ
|
+5.2 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
76.2%
-7.7% YoY-0.7% QoQ
|
+17.3% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$11,196
-11.6% YoY-2.2% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
29.2%
-8.3% YoY+3.0% QoQ
|
+4.7% | 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)