Federal credit union · PREMONT, Texas · NCUA charter #5935
Cowboy Country
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $18.0M
- Total assets
- 2,266
- Members
- 14.8%
- Net-worth ratio
Cowboy Country scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.0M; members 2,266; net-worth ratio 14.83%; health rank #4,183 of 4,374; healthier than 4th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,183 of 4,374 health · 2025Q4Cowboy Country · health 55/100 · $18.0M · 2025Q4
Call Report peers
Cowboy Country in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cowboy Country vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cowboy Country sits in 55-59 with 115 others.
55 4th percentile higher than 4% 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
Cowboy Country: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 77.16% vs peer 59.80% (+17.36 pp).
- Largest lag: Delinquency Rate at 5.81% vs peer 1.15% (+4.67 pp).
Where Cowboy Country sits in Texas
- In Texas, health place is #370 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #264 of 386 inside Texas ($18.0M reported).
- Texas membership ordinal: #243 of 386.
- One place up in Texas, REED (#369) ties at 55/100; one place down, Southwest Financial (#371) scores 54/100, 1 point lower.
How Cowboy Country's 5300 filing moved
Cowboy Country: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.3% from $18.0M (2025Q4) to $17.3M (2026Q1).
- Net-worth ratio shifted +0.08 pp (14.75% → 14.83%).
14.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Cowboy Country gives up 45 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 10.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Cowboy Country
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.83% | -0.03 pp |
| Delinquency Rate | 5.81% | +4.67 pp |
| Return on Assets | 0.17% | -0.54 pp |
| Member Growth | -5.50% | - |
| Loan-to-Share Ratio | 77.16% | +17.36 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Cowboy Country
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.3M | - |
| 2025Q4 | $18.0M | 2,266 |
| 2024Q4 | $18.4M | 2,398 |
| 2023Q4 | $17.2M | 2,429 |
Credit Union Details
- Charter Number
- 5935
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- PREMONT
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Cowboy Country.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | PREMONT, 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.
- ELLIS COUNTY TEACHERS AND EMPLOYEESWAXAHACHIE, TX · $10M–$50M91Health
- VICTORIA TEACHERSVictoria, TX · $10M–$50M95Health
- 1ST UNIVERSITYWaco, TX · $10M–$50M76Health
- LINKAGEWACO, TX · $10M–$50M82Health
- ILA 1351La Porte, TX · $10M–$50M94Health
Compare Cowboy Country vs ELLIS COUNTY TEACHERS AND EMPLOYEES
Other-state peers near Cowboy Country
Using this data
- Cowboy Country ranks #4,183 of 4,374 nationally on financial health and #370 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ellis County Teachers and Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ellis County Teachers and Employees
Frequently Asked Questions
Is Cowboy Country financially healthy?
Cowboy Country has a financial health score of 55/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,183 of 4,374 nationally on health and #370 of 386 in Texas. Its net worth ratio is 14.83% and its delinquency rate 5.81%.
How does Cowboy Country compare to other credit unions?
Cowboy Country scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.16% vs 59.80%). Its widest shortfall is delinquency rate (5.81% vs 1.15%).
How can I join Cowboy Country?
Cowboy Country 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 Cowboy Country directly for the exact boundaries and application steps.
Is my money safe at Cowboy Country?
Cowboy Country 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. Cowboy Country's net worth ratio of 14.83% 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.