PackageTrendsPeer
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Windthorst

Windthorst, TX · Charter 16373

NCUA · 1 branch

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.05%0.91%1.00%1.10%+4 bps
Return on Equity8.79%8.51%7.31%8.16%9.04%+25 bps
Net Interest Margin2.60%2.69%2.55%2.89%2.80%+20 bps
Efficiency Ratio63.08%62.15%65.76%63.49%61.96%-112 bps
Growth
Asset Growth (YoY)11.29%7.97%7.47%9.06%6.94%-435 bps
Loan Growth (YoY)-1.76%0.36%3.63%3.84%-3.21%-145 bps
Share Growth (YoY)11.82%7.88%7.56%9.32%7.05%-477 bps
Asset Quality
Delinquent Loans / Loans0.20%0.60%0.55%0.13%1.04%+84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.07%12.34%12.40%12.29%12.19%+12 bps
Net Worth / Assets12.07%12.34%12.40%12.29%12.19%+12 bps
Liquidity & Funding
Loans / Shares75.40%76.37%76.74%74.56%68.17%-722 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps