Side-by-side · Q2 2026 data
Cowboy Country Federal Credit Union vs Rally Credit Union
Credit union
Cowboy Country Federal Credit Union
Premont, Texas · Under $100 million in assets
Metric by metric
| Measure | Cowboy Country Federal Credit Union | Rally Credit Union |
|---|---|---|
| TellerScore | 46 | 76 (stronger) |
| Capital cushion | 98 (stronger) | 90 |
| Loan quality | 0 | 75 (stronger) |
| Earnings | 0 | 66 (stronger) |
| Funding & liquidity | 84 (stronger) | 54 |
| Problem-loan coverage | 42 | 89 (stronger) |
| Peer percentile | 6th | 79th |
| Total assets | $16.8M | $4.8B |
| Deposits / shares | $14.3M | $4.0B |
| Capital ratio | 14.84% (stronger) | 14.02% |
| Problem loans | 6.70% | 0.75% (stronger) |
| Net charge-offs | 2.79% | 1.01% (stronger) |
| Return on assets | -4.74% | 1.16% (stronger) |
| Loans ÷ deposits | 76.2% (stronger) | 105.0% |
| Uninsured deposits | 7.1% (stronger) | 15.7% |
| Offices | 1 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 49.8% |
Rally Credit Union has the higher TellerScore (76 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Cowboy Country Federal Credit Union leads on 3 and Rally Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.