Credit union · NCUA insured
Cochran County Schools FCU
A $9.3M credit union headquartered in Morton, TX, with 892 members and 1 branch in Texas. Best rates: CDs 3.75% and savings 2.75% APY.
Cochran County Schools FCU Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#9 of 18 in Lubbock, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cochran County Schools FCU
Established in 1961 in Morton, Texas, the credit union was founded by Cochran County educators to help colleagues with their savings and loan needs.
Member owned and operated since 1961, the institution later expanded its field of membership to serve everyone who lives, works, or worships in Cochran County.
- Headquarters
- 118 SW 1st ST, Morton, TX 79346-3010
- NCUA charter
- 14166
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or worship in Cochran County are eligible for membership.
Military, government and schools
- Employees of Morton ISD, Whiteface CISD, Cochran Memorial Hospital, or Cochran County are eligible for membership.
Cost to join
- An initial deposit of $50.00 (minimum) is required to open a new account.
- A one-time new account fee of $10.00 is required to open a new account.
Branches
1 branch in Texas
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Texas
1 branch
- Cochran County Schools FcuMain office118 SW 1st ST, Morton, TX 79346Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.61% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.77% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.34% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio14.61%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.77%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.34%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cochran County Schools FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.