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Windthorst

Windthorst, TX · Charter 16373

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

91

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Windthorst

Windthorst, TX · Charter 16373

NCUA · 1 branch

Q2 2026

$103.6MAssets
$61.9MLoans
$90.8MShares
$12.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.10%, up 4 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 1.04% of loans (+84 bps YoY).
  • Capital: net worth / assets of 12.19%, up 12 bps from a year ago.
  • Funding: loans stand at 68.17% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.10%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+20 bps YoY

Efficiency Ratio (YTD, annualized)

61.96%-112 bps YoY

Net Worth / Assets

12.19%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.70%0.97%1.06%1.05%0.91%1.00%1.10%+4 bps
Return on Equity7.03%5.64%7.80%8.79%8.51%7.31%8.16%9.04%+25 bps
Net Interest Margin2.44%2.24%2.61%2.60%2.69%2.55%2.89%2.80%+20 bps
Efficiency Ratio65.99%70.80%65.82%63.08%62.15%65.76%63.49%61.96%-112 bps
Growth
Asset Growth (YoY)9.91%10.32%8.74%11.29%7.97%7.47%9.06%6.94%-435 bps
Loan Growth (YoY)2.08%-0.75%-2.31%-1.76%0.36%3.63%3.84%-3.21%-145 bps
Share Growth (YoY)10.41%11.21%9.03%11.82%7.88%7.56%9.32%7.05%-477 bps
Asset Quality
Delinquent Loans / Loans0.61%0.30%0.23%0.20%0.60%0.55%0.13%1.04%+84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.42%12.35%12.42%12.07%12.34%12.40%12.29%12.19%+12 bps
Net Worth / Assets12.42%12.35%12.42%12.07%12.34%12.40%12.29%12.19%+12 bps
Liquidity & Funding
Loans / Shares82.09%79.65%78.50%75.40%76.37%76.74%74.56%68.17%-722 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Windthorst

Windthorst, TX · Charter 16373 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 1 branch

Q2 2026

$103.6MAssets
$61.9MLoans
$90.8MShares
$12.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 91% of credit unions under $1B in assets in TX (rank 22 of 235).
  • Widest gap: net interest margin trails 93% of credit unions under $1B in assets in TX (rank 219 of 235).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.10%

Rank 58 of 235

Net Interest Margin

2.80%

Rank 219 of 235

Efficiency Ratio

61.93%

Rank 22 of 235

Equity / Assets

12.19%

Rank 155 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.10%0.17%0.57%1.10%Beats 75%58 / 235
Return on Equity9.04%1.03%4.30%7.58%Beats 82%42 / 235
Net Interest Margin2.80%3.32%3.89%4.35%Beats 7%219 / 235
Efficiency Ratio61.93%70.60%82.00%91.57%Beats 91%22 / 235
Asset Quality
Nonperforming Loans / Loans1.04%0.20%0.59%1.14%Beats 28%170 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.19%11.30%14.41%19.49%Beats 34%155 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.19%11.30%14.41%19.49%Beats 34%155 / 235
Liquidity & Funding
Loans / Deposits68.17%54.18%67.38%81.66%51st pctl116 / 235
Loans / Assets59.75%43.80%56.63%68.64%56th pctl104 / 235
Brokered Deposits / Depositsn/aNot reported for this institution