Federal credit union · MORTON, Texas · NCUA charter #14166
Cochran County Schools
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $9.2M
- Total assets
- 885
- Members
- 15.4%
- Net-worth ratio
Cochran County Schools scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.2M; members 885; net-worth ratio 15.37%; health rank #2,079 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,079 of 4,374 health · 2025Q4Cochran County Schools · health 84/100 · $9.2M · 2025Q4
- ROA 84/100
- ASSETS 15.4%
- MEM 1.00%
- RANK 1.20%
- PHOTO $9.2M
- BOOK 885
- CHARTER #2,079/4,374
- NCUSIF n/a
- CAMELS 14166
Cochran County Schools carries $9.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cochran County Schools vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Cochran County Schools - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14166. See our deposit-insurance coverage note.
Peer-gap read for Cochran County Schools
- Delinquency Rate leads the peer set - 1.00% here, 1.81% peer average (-0.81 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.28 pp (51.32% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Cochran County Schools sits in Texas
- Texas health ordinal: #189 of 386.
- Assets rank #312 of 386 inside Texas ($9.2M reported).
- Membership ranks #327 of 386 among Texas CUs with a reported count (885 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cochran County Schools Call Report trajectory
Cochran County Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $9.2M (2025Q4) to $9.3M (2026Q1).
- Net-worth ratio shifted -0.29 pp (15.66% → 15.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 10.6 pts
Cochran County Schools health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.37% | -3.69 pp |
| Delinquency Rate | 1.00% | -0.81 pp |
| Return on Assets | 1.20% | +0.75 pp |
| Member Growth | -0.34% | - |
| Loan-to-Share Ratio | 51.32% | -12.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.3M | - |
| 2025Q4 | $9.2M | 885 |
| 2024Q4 | $9.9M | 888 |
| 2023Q4 | $8.6M | 856 |
Credit Union Details
- Charter Number
- 14166
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- MORTON
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Cochran County Schools runs one office.
| Office | City |
|---|---|
| COCHRAN COUNTY SCHOOLS FCU (Main Office) | MORTON, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near Cochran County Schools
Cross-state asset and health neighbours for Cochran County Schools - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Cochran County Schools ranks #2,079 of 4,374 nationally on financial health and #189 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- E M O T is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with E M O T
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Cochran County Schools financially healthy?
A 15.37% net worth ratio and a 1.00% delinquency rate feed into Cochran County Schools's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,079 of 4,374; by total assets it ranks #3,597 of 4,374 nationally (same basis as /rankings/largest); and #312 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cochran County Schools compare to other credit unions?
Cochran County Schools scores 84/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cochran County Schools?
Cochran County Schools operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Cochran County Schools directly for the exact boundaries and application steps.
Is my money safe at Cochran County Schools?
Federal credit unions like Cochran County Schools are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cochran County Schools's net worth ratio of 15.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cochran County Schools offer compared to banks?
Credit unions like Cochran County Schools are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cochran County Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.