# COSDEN
BIG SPRING, TX · NCUA charter 1750 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cosden-1750

Who the members are: federal charter, community charter, organized 1936. 4,272 members of 25,000 potential (17.1% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $63.8M |
| Members | 4,272 (-7.9% YoY) |
| Full-time staff | 16 |
| Net worth | $7.4M |
| Net worth ratio | 11.6% (p36 of band) |
| ROA (annualized) | 0.55% (p41 of band) |
| Total delinquency | 0.06% (p8 of band) |
| Net charge-offs (annualized) | 2.35% (p98 of band) |
| Loans / shares | 60% (p49 of band) |
| Cash / assets | 25.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.18% (p78 of band) |
| Operating expense / assets | 5.07% (p88 of band) |
| Vehicles % of loans | 81% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 5% (p60 of band) |
| Vehicle delinquency | 0.08% (p14 of band) |
| Vehicle NCO | 1.81% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 7% |
| Average share balance | $6,404 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $353,350 |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $16,604 |
| Loans granted, annualized | $16.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $353,350 outstanding purchased (4.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, charge-offs p90, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | members leaving | losing money |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 2 |  | members leaving |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 3 | delinquency 2x band |  |
| 2020-03 | 6 | net worth falling, losing money, charge-offs p90 |  |
| 2020-06 | 3 |  | delinquency rising, delinquency 2x band, losing money |
| 2020-09 | 2 | delinquency rising | net worth falling, charge-offs p90 |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | thin capital |  |
| 2022-12 | 4 | net worth falling, delinquency rising |  |
| 2023-03 | 3 |  | net worth falling |
| 2023-06 | 2 |  | thin capital |
| 2023-09 | 2 | assets shrinking | delinquency rising |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 2 | expense trap | charge-offs p90 |
| 2025-09 | 3 | members leaving |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling, charge-offs p90 | expense trap |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-05-29 [Margaret Churchwell Obituary - San Angelo, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxNSVlncElzZ3NOelpxal9kTlZ5c0lKMWR2ZVVMSTBRYXVXSXM1YTBRS3RZRUNqRENxb3lvRncwU3VBaDRIdnplM0hocVRqODB5OHlhYmFXSExxakFwSlFIQW51V01xVkJYWlhMZmdMckJzekU2eEdtbU5ndmhWbXN5cHFKZVRXREVpTXpMUlJ3?oc=5) · Dignity Memorial
- 2022-09-10 [Wayne Bartlett Obituary (1933 - 2017) - Big Spring, TX - Big Spring Herald - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPcmp2T2p5WU9kMFlnOHFIa3liUlJVWnVfZkNrYTVWb3FUTnRjTWdTdWNTODlWQ3dKcXBEb1djYUhLMjBaUFMxdGtnYURURzFIejNqakdvcUZPYWlMRTQtN0RYdjBKNFgxV3B1R19CNVcwNmN4bEgwbkdxbGpvb1VRVjJHU3U2MjJrckZacERMRGYzZTFTRjhz?oc=5) · legacy.com
- 2026-01-19 [Big Spring Volunteer Council Prepares for 20th Annual Cars & Stars Speakeasy Fundraiser - The Big Spring Herald](https://news.google.com/rss/articles/CBMiggJBVV95cUxON1ZXd1NxanF2MFdEakhza3RNSTVLdUtJd2J4VlJJNC1kbTBOZ2c0cDVscFk4ZUJjZVZEVzdyRDBaRFE0NEQ0NWVCc2VQc0I1V3lnb0FoU3dCWnh6UHQyUkp3VnQ4c0dLcWg2WHotcnFINEN6aDd3LWQwY3o2ZEN1TWpyZXVRWHhFN254MDZidkxlam0tZHg3cTdlOHBacTVIdXkzMk9YVU5EczJVUlp2Y213SU5XaWFmZFdBd3JNMWcxc2MwV1R2WmRIVGJwWjdzWDdmZUpUM3lLX2hBNlFXUmJ6Zmc0ZUtGTi13LThWenh0ZDJ4MnZmQ01DRjE5UkcyM2c?oc=5) · The Big Spring Herald
- 2020-12-30 [Donnie Baker Obituary (1947 - 2020) - Big Spring, TX - Big Spring Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNeXg0TThpbXpGZlRYMUk0QnhCS1I3OVVzSENKazVMNDlZNHVVMGd0UHBkY2FmWjN2c1NKR3IwS1FRU29VbXowVnUtdzg2d0NrN2xvWXZjdFFNcjA5eDZFOGg1TzNZQjNscW5JTGM0NFR6U0xYSXVsOTRNZGh4U1llaXdQWF9vTkpzUWVTQnJsUUlLY1A0?oc=5) · legacy.com
- 2005-01-03 [Chris Rivera Obituary (2005) - Midland, TX - Midland Reporter-Telegram - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNdWpPT2x3Xy0yZUpZWHhxSEJMaVh3QlczTldJZ2RNdmhKNUc4LV90aldWaG1YM184bHNRS21OWW10Q3FnbWdESjd5eFlXcnQyNXhNMlFvOUtDUDVNRWJlbmQ4dGJreTRxNS03VkEyQS0yNG5XNkhLcGtRaXZxMmJLRUZfLW5KUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1750 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/22.json (key "1750", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1750
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide