COCHRAN COUNTY SCHOOLS

Charter #14166 · MORTON, TX · <$10M

Public 5300 data · as of 2026Q1

What the numbers say

Return on average assets of -0.46% sits at the 21st percentile of structural peers — worth a closer look.
Cost of funds of 3.11% sits at the 95th percentile of structural peers — worth a closer look.
Net charge-off ratio of 2.64% sits at the 92nd percentile of structural peers — worth a closer look.
On Total assets, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 52nd — a 44-point gap showing why the peer definition matters.

Headline ratios vs. peers

Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.

Metric	COCHRAN COUNTY SCHOOLS	Asset-tier percentile	Structural percentile
Total assets	$9.32M	96th pct	52th pct
Members	892	77th pct	44th pct
Net worth ratio	15.37%	41th pct	59th pct
Return on average assets	-0.46%	23th pct	21th pct
Net interest margin	4.02%	49th pct	33th pct
Cost of funds	3.11%	97th pct	95th pct
Loan-to-share	48.78%	39th pct	43th pct
Delinquency 60+ days	1.65%	63th pct	66th pct
Net charge-off ratio	2.64%	93th pct	92th pct
Loan growth YoY	-8.14%	35th pct	33th pct
Share growth YoY	4.26%	78th pct	67th pct
Efficiency ratio	80.84%	41th pct	30th pct

structural peer set hash: 3853fa2d7a8ff637412e75d0fd12d02b… (reproducible)

Closest structural peers

BELTON69.3%

#15565 · TX

ST. PATS EMPLOYEES63.7%

#19017 · MT

I.B.E.W. LOCAL #14663.4%

#65840 · IL

ELLIS61.2%

#67797 · KS

DULUTH FIRE DEPARTMENT60.3%

#60750 · MN

S. C. H. D. DIST #760.3%

#18423 · SC

This is the free public view

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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.