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
Call Report peers
COSDEN in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); COSDEN sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Wichita Falls (#191) ties at 84/100; one place down, Grand Prairie (#193) ties at 84/100.
How COSDEN's 5300 filing moved
COSDEN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.5% from $59.4M (2025Q4) to $63.8M (2026Q1).
- Net-worth ratio shifted -0.83 pp (12.38% → 11.55%).
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
COSDEN gives up 16 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is COSDEN financially healthy?
On its 2025Q4 NCUA 5300 filing, COSDEN scores 84/100 (Excellent), with a 11.55% net worth ratio and 0.40% of loans delinquent. It ranks #2,122 of 4,374 nationally on health and #192 of 386 in Texas.
How does COSDEN compare to other credit unions?
COSDEN scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (63.97% vs 62.60%). Its widest shortfall is net worth ratio (11.55% vs 13.62%).
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?
COSDEN is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.