This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
PREMONT, TX
Health score
56.3
Total assets
$16.8M
Credit union
Fort Worth, TX
Health score
61.9
Total assets
$15.8M
Answer first
COWBOY COUNTRY leads on capitalization; MEMBER PREFERRED leads on financial health and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
MEMBER PREFERRED
Higher TFS health score
Capitalization
COWBOY COUNTRY
Higher comparable capital ratio
Profitability
MEMBER PREFERRED
Higher return on assets
Lending quality
MEMBER PREFERRED
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | COWBOY COUNTRY | MEMBER PREFERRED |
|---|---|---|
| TFS health score | 56.3/100 | 61.9/100Leads |
| Total assets | $16.8M | $15.8M |
| Total deposits / shares | $14.3M | $13.6M |
| Net worth ratio | 14.84%Leads | 12.24% |
| Return on assets | -4.74% | -1.80%Leads |
| Return on equity | -31.86% | -14.68% |
COWBOY COUNTRY
1 branches
MEMBER PREFERRED
1 branches
Both institutions report branches in 1 state: TX.
COWBOY COUNTRY
Unavailable
MEMBER PREFERRED
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
COWBOY COUNTRY
0 in TFS registry
MEMBER PREFERRED
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | COWBOY COUNTRY score | COWBOY COUNTRY ROA | MEMBER PREFERRED score | MEMBER PREFERRED ROA |
|---|---|---|---|---|
| 2026-Q1 | 53.5/100 | -4.65% | 58.8/100 | -3.28% |
| 2026-Q2 | 56.3/100 | -4.74% | 61.9/100 | -1.80% |
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 60+ day delinquency | 6.70% | 0.77%Leads |
| Net charge-offs | 2.79% | 1.67%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 76.20% | 100.55% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |