Sep, 30, 2025 — COWBOY COUNTRY FEDERAL CREDIT UNION is a federal credit union headquartered in PREMONT, TX with 1 branch location and about $18.44 million in total assets. Opened 78 years ago in 1948, COWBOY COUNTRY FEDERAL CREDIT UNION has about 2,266 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COWBOY COUNTRY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 501 SOUTH BROADWAY PREMONT, TX 78375 |
| Phone: | (361) 348-3578 |
| Fax: | (361) 348-3662 |
| Website: | n/a |
| Branches: | 1 branch locations |
| Members: | 2,266 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5935 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1948 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $18,435,168 |
| CEO/Manager: | Rena Smith |
| Chairperson: | PETE BARRERA |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,786,971 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 425,448 |
| Other Loans | 11,996,270 |
| TOTAL LOANS | 12,421,718 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -195,548 |
| Land And Building | 189,845 |
| Other Fixed Assets | 29,028 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 140,503 |
| All Other Assets | 0 |
| TOTAL ASSETS | 18,435,168 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 82,793 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,136,006 |
| Regular shares | 8,072,133 |
| All Other Shares & Deposits | 5,392,666 |
| TOTAL SHARES & DEPOSITS | 15,600,805 |
| TOTAL LIABILITIES | 15,683,598 |
| Regular Reserve | 0 |
| Other Reserves | 169,939 |
| Undivided Earnings | 2,581,631 |
| TOTAL EQUITY | 2,751,570 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 18,435,168 |
| INCOME & EXPENSE | |
| Loan Income | 708,584 |
| Investment Income | 56,625 |
| Other Income | 160,974 |
| Total Employee Compensation & Benefits | 320,092 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 234,817 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 303,748 |
| Cost of Funds | 246,850 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -152,592 |
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