Federal credit union · BIG SPRING, Texas · NCUA charter #1750
COSDEN
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $59.4M
- Total assets
- 4,213
- Members
- 11.6%
- Net-worth ratio
COSDEN scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.4M; members 4,213; net-worth ratio 11.55%; health rank #2,122 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,122 of 4,374 health · 2025Q4COSDEN · health 84/100 · $59.4M · 2025Q4
- PHOTO 84/100
- BOOK 11.6%
- CHARTER 0.40%
- NCUSIF 1.27%
- CAMELS $59.4M
- HEALTH 4,213
- NW #2,122/4,374
- DELQ PROMEDICA
- ROA 1750
Call Report peers
COSDEN in the assets neighbourhood
COSDEN's $59.4M assets sit next to PROMEDICA ($59.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COSDEN 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
COSDEN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1750. See our deposit-insurance coverage note.
COSDEN: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 63.97% here, 62.60% peer average (+1.37 pp).
- Largest lag: Net Worth Ratio at 11.55% vs peer 13.62% (-2.07 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for COSDEN
- Health composite ranks #192 of 386 among scored Texas credit unions.
- By total assets, COSDEN is #180 of 386 in Texas.
- Membership ranks #192 of 386 among Texas CUs with a reported count (4,213 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.
How COSDEN's 5300 filing moved
COSDEN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.5% from $59.4M (2025Q4) to $63.8M (2026Q1).
- Net-worth ratio shifted -0.83 pp (12.38% → 11.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.55%, 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 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
COSDEN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.55% | -2.07 pp |
| Delinquency Rate | 0.40% | -0.56 pp |
| Return on Assets | 1.27% | +0.61 pp |
| Member Growth | -7.26% | - |
| Loan-to-Share Ratio | 63.97% | +1.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - COSDEN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $63.8M | - |
| 2025Q4 | $59.4M | 4,213 |
| 2024Q4 | $60.4M | 4,543 |
| 2023Q4 | $60.2M | 4,330 |
Credit Union Details
- Charter Number
- 1750
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- BIG SPRING
- Data Quarter
- 2025Q4
Branch Location
COSDEN operates a single office in BIG SPRING, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| COSDEN FCU (Main Office) | BIG SPRING, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for COSDEN
COSDEN's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($59.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- COSDEN ranks #2,122 of 4,374 nationally on financial health and #192 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- La Joya Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with La Joya Area
- 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 COSDEN financially healthy?
COSDEN scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,122 of 4,374; by total assets it ranks #2,269 of 4,374 nationally (same basis as /rankings/largest); and #180 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.55% net worth ratio and a 0.40% delinquency rate.
How does COSDEN compare to other credit unions?
Five weighted metrics from NCUA filings produce COSDEN's 84/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 COSDEN?
COSDEN 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 COSDEN directly for the exact boundaries and application steps.
Is my money safe at COSDEN?
Federal credit unions like COSDEN 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. COSDEN's net worth ratio of 11.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COSDEN offer compared to banks?
Credit unions like COSDEN 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 COSDEN 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.