TellerScore

Headquartered in Big Spring, Texas, Cosden Federal Credit Union is a federal credit union with $63.5M in total assets and $55.9M in member shares and deposits as of Q2 2026. Its charter dates back to 1936.

Cosden Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 65th. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 2% uninsured); capital cushion contributes the least (66/100, 11.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.60%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings87/100
Return on assets (annualized): 1.68%
Funding & liquidity100/100
Loans ÷ shares: 60.1% · 2.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.71%

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 4 points (82 → 86), mostly because the earnings component improved by 15 points.

TellerScore
788388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202481
Q4 202480
Q1 202585
Q2 202582
Q3 202588
Q4 202580
Q1 202678
Q2 202686
Net worth ratio
7.00%9.72%12.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.70%
Q3 202410.95%
Q4 202411.13%
Q1 202510.70%
Q2 202511.39%
Q3 202512.45%
Q4 202512.38%
Q1 202611.55%
Q2 202611.60%
Delinquent loans (60+ days)
0.06%0.23%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.38%
Q4 20240.31%
Q1 20250.23%
Q2 20250.10%
Q3 20250.23%
Q4 20250.40%
Q1 20260.06%
Q2 20260.15%
Return on assets
0.55%1.33%2.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.67%
Q3 20241.54%
Q4 20241.25%
Q1 20252.12%
Q2 20251.31%
Q3 20251.75%
Q4 20251.06%
Q1 20260.55%
Q2 20261.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$63.5M11.60%0.15%1.68%60.1%
Q1 202678$63.8M11.55%0.06%0.55%60.2%
Q4 202580$59.4M12.38%0.40%1.06%64.0%
Q3 202588$59.6M12.45%0.23%1.75%63.5%
Q2 202582$60.3M11.39%0.10%1.31%61.9%
Q1 202585$63.7M10.70%0.23%2.12%53.8%
Q4 202480$60.4M11.13%0.31%1.25%55.7%
Q3 202481$60.9M10.95%0.38%1.54%52.6%
Q2 202482$60.4M10.70%0.23%1.67%48.9%

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).

Capital ratio11.60%
28th
Problem loans0.15%
76th
Net charge-offs1.34%
9th
Return on assets1.68%
89th
Loans to deposits60.1%
48th
Uninsured deposits2.1%
43rd
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Doches Credit UnionCredit union Nacogdoches, TX74 out of 100, Strong$64.5M13.5%0.62%vs
Sacred Heart Parish Hallettsville Federal Credit UnionCredit union Hallettsville, TX70 out of 100, Strong$64.6M9.8%0.01%vs
LA Joya Area Federal Credit UnionCredit union La Joya, TX53 out of 100, Below average$62.2M10.8%2.07%vs
My Credit UnionCredit union Haslet, TX74 out of 100, Strong$58.2M12.8%1.02%vs
South Texas Federal Credit UnionCredit union McALLEN, TX47 out of 100, Below average$69.2M8.6%2.38%vs
Select Federal Credit UnionCredit union San Antonio, TX70 out of 100, Strong$57.7M15.1%0.83%vs

Deposit insurance

Is my money safe at Cosden Federal Credit Union?

Yes. Cosden Federal Credit Union is a federally insured credit union (NCUA charter #1750). 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 2.1% of shares and deposits ($1.2M) 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 11.60%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Cosden Federal Credit Union
Type
Federal credit union
NCUA charter #
1750
RSSD ID
259572
Primary regulator
NCUA
Established
1936
Headquarters
400 East Marcy, Big Spring, TX 79720
Employees
17

Quick answers

Cosden Federal Credit Union: common questions

Is Cosden Federal Credit Union NCUA insured?

Yes. Cosden Federal Credit Union is a federally insured credit union (NCUA charter #1750). 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 Cosden Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.