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Cosden Federal Credit Union


Overview / Commentary
www.cosden.org
432-264-2600
400 E MARCY DR
BIG SPRING, TX 79720

Cosden Federal Credit Union is headquartered in BIG SPRING and is the 193rd largest credit union in the state of Texas. It is also the 2,466th largest credit union in the nation. It was established in 1936 and as of March of 2020, it had grown to 12 employees and 3,618 members at 1 location. Cosden Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Cosden Federal Credit is open to anyone who lives, works, worships, or goes to school in Howard County.
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Health
B+

Data as of Q1 2020

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cosden Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #1750
Year Chartered1936
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD-0.06%
Return on Equity - YTD-0.54%
Annual Interest Income$377.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$45.2MM$42.4MM
LoansQ1 2020vs Q1 2019$11.5MM$11.6MM
DepositsQ1 2020vs Q1 2019$39.7MM$36.7MM
Equity CapitalQ1 2020vs Q1 2019$5.2MM$5.1MM
Loan Loss AllowanceQ1 2020vs Q1 2019$132.00K$129.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$202.00K$126.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cosden Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$10k*-IRA Account
OTHER TIERS: 0.40% → Up to $2.5k | 0.60% → $2.5k - $5k | 0.80% → $5k - $10k
0.25%--Club Accounts
0.15%$10-Regular Share Account
0.15%--Other Share Accounts

Cosden Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2.5k-Special Savings Money Market Account

Cosden Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$10k-Business Checking Account

Cosden Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$100k*-60 Month Share Certificate
OTHER TIERS: 0.25% → $1k - $5k | 0.75% → $5k - $10k | 1.00% → $10k - $50k | 1.25% → $50k - $100k
1.50%*$100k*-36 Month Share Certificate
OTHER TIERS: 0.25% → $1k - $5k | 0.50% → $5k - $10k | 0.75% → $10k - $50k | 1.00% → $50k - $100k
1.25%*$100k*-24 Month Share Certificate
OTHER TIERS: 0.25% → $1k - $5k | 0.35% → $5k - $10k | 0.50% → $10k - $50k | 0.75% → $50k - $100k
0.75%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.25% → $1k - $10k | 0.35% → $10k - $50k | 0.50% → $50k - $100k
0.35%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.15% → $1k - $5k | 0.25% → $5k - $50k | 0.30% → $50k - $100k

Cosden Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$100k*-60 Month IRA Share Certificate
OTHER TIERS: 0.25% → $1k - $5k | 0.75% → $5k - $10k | 1.00% → $10k - $50k | 1.25% → $50k - $100k
1.50%*$100k*-36 Month IRA Share Certificate
OTHER TIERS: 0.25% → $1k - $5k | 0.50% → $5k - $10k | 0.75% → $10k - $50k | 1.00% → $50k - $100k
1.25%*$100k*-24 Month IRA Share Certificate
OTHER TIERS: 0.25% → $1k - $5k | 0.35% → $5k - $10k | 0.50% → $10k - $50k | 0.75% → $50k - $100k
0.75%*$100k*-12 Month IRA Share Certificate
OTHER TIERS: 0.25% → $1k - $10k | 0.35% → $10k - $50k | 0.50% → $50k - $100k
0.35%*$100k*-6 Month IRA Share Certificate
OTHER TIERS: 0.15% → $1k - $5k | 0.25% → $5k - $50k | 0.30% → $50k - $100k
Locations


Cosden Federal Credit Union Locations
Branch Office400 E MARCY DRBIG SPRING, TX 79720-5714

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