TellerScore

Headquartered in Premont, Texas, Cowboy Country Federal Credit Union is a federal credit union with $16.8M in total assets and $14.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1948.

Based on its Q2 2026 filing, Cowboy Country Federal Credit Union scores 46/100, which we describe as below average. That is higher than only 6% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 365th. Its strongest component is capital cushion (98/100; 14.84%), and its lowest is earnings (0/100; -4.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.84%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.70%
Earnings0/100
Return on assets (annualized): -4.74%
Funding & liquidity84/100
Loans ÷ shares: 76.2% · 7.1% uninsured
Problem-loan coverage42/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 29.23%

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 fell 13 points (59 → 46), mostly because the earnings component weakened by 56 points.

TellerScore
465359Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202448
Q4 202454
Q1 202556
Q2 202559
Q3 202548
Q4 202547
Q1 202647
Q2 202646
Net worth ratio
7.00%11.88%16.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.81%
Q3 202416.69%
Q4 202416.75%
Q1 202516.09%
Q2 202515.36%
Q3 202515.02%
Q4 202514.75%
Q1 202614.83%
Q2 202614.84%
Delinquent loans (60+ days)
3.01%4.85%6.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.08%
Q3 20243.11%
Q4 20243.01%
Q1 20253.08%
Q2 20254.49%
Q3 20254.58%
Q4 20255.81%
Q1 20265.71%
Q2 20266.70%
Return on assets
-4.74%-1.92%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 2024-2.46%
Q4 20240.16%
Q1 20250.28%
Q2 20250.90%
Q3 2025-1.10%
Q4 2025-1.30%
Q1 2026-4.65%
Q2 2026-4.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$16.8M14.84%6.70%-4.74%76.2%
Q1 202647$17.3M14.83%5.71%-4.65%76.7%
Q4 202547$18.0M14.75%5.81%-1.30%77.2%
Q3 202548$18.4M15.02%4.58%-1.10%79.6%
Q2 202559$18.6M15.36%4.49%0.90%82.6%
Q1 202556$19.1M16.09%3.08%0.28%80.4%
Q4 202454$18.4M16.75%3.01%0.16%84.0%
Q3 202448$17.9M16.69%3.11%-2.46%90.2%
Q2 202456$17.9M15.81%3.08%0.73%98.3%

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 ratio14.84%
53rd
Problem loans6.70%
4th
Net charge-offs2.79%
3rd
Return on assets-4.74%
1st
Loans to deposits76.2%
24th
Uninsured deposits7.1%
12th
Loan-loss reserves0.00%
37th
Texas ratio29.2%
2nd

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InstitutionScoreAssetsCapitalProblem loansCompare
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Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Marshall T & P Employees Federal Credit UnionCredit union Marshall, TX81 out of 100, Strong$17.4M17.9%1.04%vs
Seagoville Federal Credit UnionCredit union Seagoville, TX89 out of 100, Very strong$15.8M21.6%0.21%vs
Southern Star Credit UnionCredit union Houston, TX57 out of 100, Moderate$17.7M13.2%1.87%vs

Deposit insurance

Is my money safe at Cowboy Country Federal Credit Union?

Yes. Cowboy Country Federal Credit Union is a federally insured credit union (NCUA charter #5935). 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 7.1% of shares and deposits ($1.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.84%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Cowboy Country Federal Credit Union lists 1 office in 1 city. Most locations:

  • Premont, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Cowboy Country Federal Credit Union
Type
Federal credit union
NCUA charter #
5935
RSSD ID
369172
Primary regulator
NCUA
Established
1948
Headquarters
Po Box 106, Premont, TX 78375
Employees
7

Quick answers

Cowboy Country Federal Credit Union: common questions

Is Cowboy Country Federal Credit Union NCUA insured?

Yes. Cowboy Country Federal Credit Union is a federally insured credit union (NCUA charter #5935). 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 Cowboy Country Federal Credit Union's TellerScore?

46 out of 100 (Below average), 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 Cowboy Country Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Premont

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Zapata, TX93 out of 100, Very strong$567.8M13.6%0.07%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
The First National Bank in FalfurriasBank Falfurrias, TX79 out of 100, Strong$79.4M9.8%0.08%vs
Texas Community Federal Credit UnionCredit union Kingsville, TX79 out of 100, Strong$30.1M14.7%1.29%vs
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs
Greater State BankBank Mcallen, TX75 out of 100, Strong$180.2M11.1%0.05%vs