Wichita Falls, TX · Charter 2112
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
35
Asset Quality
70
Profitability
62
Liquidity
54
Efficiency
70
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.
Wichita Falls, TX · Charter 2112
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.41% | 0.54% | 0.89% | 0.99% | +94 bps | |
| Return on Equity | 0.40% | 3.29% | 4.36% | 7.31% | 7.97% | +757 bps | |
| Net Interest Margin | 3.70% | 3.81% | 3.72% | 3.73% | 3.66% | -4 bps | |
| Efficiency Ratio | 81.42% | 77.64% | 75.44% | 76.39% | 73.59% | -783 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.69% | 10.07% | 12.29% | 10.15% | 6.76% | -293 bps | |
| Loan Growth (YoY) | -1.73% | -3.21% | -1.73% | 3.24% | 2.17% | +389 bps | |
| Share Growth (YoY) | 9.37% | 10.42% | 11.86% | 9.86% | 6.39% | -298 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.81% | 0.74% | 0.42% | 0.31% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.30% | 12.61% | 12.37% | 12.20% | 12.42% | +12 bps | |
| Net Worth / Assets | 12.30% | 12.61% | 12.37% | 12.20% | 12.42% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.46% | 57.92% | 56.30% | 56.23% | 55.18% | -228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wichita Falls, TX · Charter 2112 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 68 of 235
Net Interest Margin
3.66%
Rank 143 of 235
Efficiency Ratio
73.58%
Rank 72 of 235
Equity / Assets
12.42%
Rank 153 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.17% | 0.57% | 1.10% | Beats 71% | 68 / 235 | |
| Return on Equity | 7.97% | 1.03% | 4.30% | 7.58% | Beats 77% | 53 / 235 | |
| Net Interest Margin | 3.66% | 3.32% | 3.89% | 4.35% | Beats 39% | 143 / 235 | |
| Efficiency Ratio | 73.58% | 70.60% | 82.00% | 91.57% | Beats 70% | 72 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.20% | 0.59% | 1.14% | Beats 70% | 72 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.42% | 11.30% | 14.41% | 19.49% | Beats 35% | 153 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.42% | 11.30% | 14.41% | 19.49% | Beats 35% | 153 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.18% | 54.18% | 67.38% | 81.66% | 26th pctl | 173 / 235 | |
| Loans / Assets | 48.82% | 43.80% | 56.63% | 68.64% | 33rd pctl | 157 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||