COSDEN
Charter #1750 · BIG SPRING, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.06% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.37% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 90.19% sits at the 90th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 67th — a 16-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 | COSDEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.79M | 33th pct | 41th pct |
| Members | 4,272 | 33th pct | 30th pct |
| Net worth ratio | 11.55% | 36th pct | 41th pct |
| Return on average assets | 0.57% | 42th pct | 31th pct |
| Net interest margin | 4.33% | 83th pct | 67th pct |
| Cost of funds | 0.85% | 46th pct | 48th pct |
| Loan-to-share | 60.23% | 49th pct | 38th pct |
| Delinquency 60+ days | 0.06% | 8th pct | 0th pct |
| Net charge-off ratio | 2.37% | 98th pct | 98th pct |
| Loan growth YoY | 2.54% | 82th pct | 85th pct |
| Share growth YoY | 8.15% | 92th pct | 92th pct |
| Efficiency ratio | 90.19% | 81th pct | 90th pct |
structural peer set hash: a10f168d960b9d4a9c9d98db3d2fec61… (reproducible)
Closest structural peers
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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.