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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.17% | 0.57% | 1.10% | Beats 75% | 58 / 235 | |
| Return on Equity | 9.04% | 1.03% | 4.30% | 7.58% | Beats 82% | 42 / 235 | |
| Net Interest Margin | 2.80% | 3.32% | 3.89% | 4.35% | Beats 7% | 219 / 235 | |
| Efficiency Ratio | 61.93% | 70.60% | 82.00% | 91.57% | Beats 91% | 22 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.04% | 0.20% | 0.59% | 1.14% | Beats 28% | 170 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.19% | 11.30% | 14.41% | 19.49% | Beats 34% | 155 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.19% | 11.30% | 14.41% | 19.49% | Beats 34% | 155 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 68.17% | 54.18% | 67.38% | 81.66% | 51st pctl | 116 / 235 | |
| Loans / Assets | 59.75% | 43.80% | 56.63% | 68.64% | 56th pctl | 104 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |