Wichita Falls Teachers
Wichita Falls, TX · Charter 2112 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$115.6MAssets
$56.4MLoans
$102.3MShares
$14.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 77% of credit unions under $1B in assets in TX (rank 53 of 235).
- Widest gap: equity / assets trails 65% of credit unions under $1B in assets in TX (rank 153 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |