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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 195th largest credit union in the state of Texas. It is also the 2,484th largest credit union in the nation. It was established in 1936 and as of December of 2019, it had grown to 12 employees and 3,645 members at 1 location. Cosden Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Cosden Federal Credit welcomes all persons who work, worship, attend school or live in Howard County, Texas and their immediate family members.
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Health
B+

Data as of Q4 2019

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 - YTD0.21%
Return on Equity - YTD1.69%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$43.0MM$41.2MM
LoansQ4 2019vs Q4 2018$11.2MM$11.6MM
DepositsQ4 2019vs Q4 2018$37.4MM$35.5MM
Equity CapitalQ4 2019vs Q4 2018$5.2MM$5.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$150.00K$143.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$258.00K$117.00K
Real Estate OwnedQ4 2019vs Q4 2018$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
2.27%*$100k*-60 Month Share Certificate
OTHER TIERS: 0.50% → $1k - $5k | 1.00% → $5k - $10k | 1.51% → $10k - $50k | 1.71% → $50k - $100k
2.01%*$100k*-36 Month Share Certificate
OTHER TIERS: 0.50% → $1k - $5k | 1.00% → $5k - $10k | 1.21% → $10k - $50k | 1.51% → $50k - $100k
1.76%*$100k*-24 Month Share Certificate
OTHER TIERS: 0.50% → $1k - $5k | 0.75% → $5k - $10k | 1.00% → $10k - $50k | 1.31% → $50k - $100k
1.00%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.45% → $1k - $5k | 0.50% → $5k - $10k | 0.75% → $10k - $50k | 0.85% → $50k - $100k
0.50%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.20% → $1k - $10k | 0.30% → $10k - $50k | 0.40% → $50k - $100k

Cosden Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$100k*-60 Month IRA Share Certificate
OTHER TIERS: 0.50% → $1k - $5k | 1.00% → $5k - $10k | 1.51% → $10k - $50k | 1.71% → $50k - $100k
2.01%*$100k*-36 Month IRA Share Certificate
OTHER TIERS: 0.50% → $1k - $5k | 1.00% → $5k - $10k | 1.21% → $10k - $50k | 1.51% → $50k - $100k
1.76%*$100k*-24 Month IRA Share Certificate
OTHER TIERS: 0.50% → $1k - $5k | 0.75% → $5k - $10k | 1.00% → $10k - $50k | 1.31% → $50k - $100k
1.00%*$100k*-12 Month IRA Share Certificate
OTHER TIERS: 0.45% → $1k - $5k | 0.50% → $5k - $10k | 0.75% → $10k - $50k | 0.85% → $50k - $100k
0.50%*$100k*-6 Month IRA Share Certificate
OTHER TIERS: 0.20% → $1k - $10k | 0.30% → $10k - $50k | 0.40% → $50k - $100k
Locations


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

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