Cosden Federal Credit Union
Major Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (9.2). Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.4.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 2.2 has resulted in Good (5.6) profitability. Good liquidity 5.4, driven by a liquidity ratio of 15.1 percent and a “hot money” ratio of 2.6 percent.
Asset Mix:
Consumer loans (34%), securities (12%), other (54%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
400 East Marcy Drive
Big Spring, TX 79720
Big Spring, TX 79720
Phone Number
(432) 264-2600
NCUA Charter Number
Website
Largest Competitors
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Big Spring, TX
Big Spring, TX