Cochran County Schools Federal Credit Union (NCUA charter #14166) is based in Morton, Texas. Its Q2 2026 call report shows $10.2M in total assets and $8.7M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Cochran County Schools Federal Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 131st. Its strongest component is funding & liquidity (100/100; 46% loans-to-deposits, 0% uninsured), and its lowest is earnings (33/100; 0.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (73 → 79), mostly because the loan quality component improved by 72 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 88 |
| Q4 2024 | 79 |
| Q1 2025 | 96 |
| Q2 2025 | 73 |
| Q3 2025 | 84 |
| Q4 2025 | 83 |
| Q1 2026 | 66 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.76% |
| Q3 2024 | 13.77% |
| Q4 2024 | 13.74% |
| Q1 2025 | 14.52% |
| Q2 2025 | 14.78% |
| Q3 2025 | 16.10% |
| Q4 2025 | 15.66% |
| Q1 2026 | 15.37% |
| Q2 2026 | 14.61% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.10% |
| Q4 2024 | 1.08% |
| Q1 2025 | 0.29% |
| Q2 2025 | 2.93% |
| Q3 2025 | 1.36% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.65% |
| Q2 2026 | 0.77% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.12% |
| Q1 2025 | 2.72% |
| Q2 2025 | 1.91% |
| Q3 2025 | 1.44% |
| Q4 2025 | 0.92% |
| Q1 2026 | -0.46% |
| Q2 2026 | 0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $10.2M | 14.61% | 0.77% | 0.33% | 46.0% |
| Q1 2026 | 66 | $9.3M | 15.37% | 1.65% | -0.46% | 48.8% |
| Q4 2025 | 83 | $9.2M | 15.66% | 1.00% | 0.92% | 51.3% |
| Q3 2025 | 84 | $9.0M | 16.10% | 1.36% | 1.44% | 55.4% |
| Q2 2025 | 73 | $9.8M | 14.78% | 2.93% | 1.91% | 50.6% |
| Q1 2025 | 96 | $9.8M | 14.52% | 0.29% | 2.72% | 53.4% |
| Q4 2024 | 79 | $9.9M | 13.74% | 1.08% | 1.12% | 52.5% |
| Q3 2024 | 88 | $9.6M | 13.77% | 0.10% | 1.10% | 56.0% |
| Q2 2024 | 83 | $9.2M | 13.76% | 0.18% | 0.54% | 62.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| J.C.T. Federal Credit UnionCredit union Edna, TX | 80 out of 100, Strong | $10.0M | 12.7% | 0.00% | vs |
| Fannin County Teachers Federal Credit UnionCredit union Bonham, TX | 55 out of 100, Moderate | $10.0M | 28.3% | 2.65% | vs |
| Ila 28 Federal Credit UnionCredit union Pasadena, TX | 89 out of 100, Very strong | $10.5M | 21.6% | 0.00% | vs |
| Pampa Teachers Federal Credit UnionCredit union Pampa, TX | 54 out of 100, Below average | $10.7M | 8.7% | 0.43% | vs |
| Mount Olive Baptist Church Federal Credit UnionCredit union Arlington, TX | 53 out of 100, Below average | $10.7M | 16.9% | 2.84% | vs |
| Methodist Hospital Employees Federal Credit UnionCredit union Dallas, TX | 62 out of 100, Moderate | $10.7M | 13.8% | 4.54% | vs |
Deposit insurance
Is my money safe at Cochran County Schools Federal Credit Union?
Yes. Cochran County Schools Federal Credit Union is a federally insured credit union (NCUA charter #14166). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Cochran County Schools Federal Credit Union lists 1 office in 1 city. Most locations:
- Morton, TX (1)
Identity & history
Profile
- Legal name
- Cochran County Schools Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 14166
- RSSD ID
- 585486
- Primary regulator
- NCUA
- Established
- 1961
- Headquarters
- Po Box 695, Morton, TX 79346
- Employees
- 3
Quick answers
Cochran County Schools Federal Credit Union: common questions
Is Cochran County Schools Federal Credit Union NCUA insured?
Yes. Cochran County Schools Federal Credit Union is a federally insured credit union (NCUA charter #14166). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Cochran County Schools Federal Credit Union's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Cochran County Schools Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Morton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
| City BankBank Lubbock, TX | 75 out of 100, Strong | $5.4B | 10.8% | 0.25% | vs |