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Westex

Lubbock, TX · Charter 5373

NCUA · 3 branches

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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

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

Westex

Lubbock, TX · Charter 5373

NCUA · 3 branches

Q2 2026

$88.9MAssets
$21.1MLoans
$79.4MShares
$8.3MNet 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 0.22%, down 33 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 1.84% of loans (-23 bps YoY).
  • Capital: net worth / assets of 9.31%, down 51 bps from a year ago.
  • Funding: loans stand at 26.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%-33 bps YoY

Net Interest Margin (YTD, annualized)

2.97%-39 bps YoY

Efficiency Ratio (YTD, annualized)

90.02%+409 bps YoY

Net Worth / Assets

9.31%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.37%0.31%0.08%0.22%-33 bps
Return on Equity5.55%3.87%3.29%0.84%2.33%-322 bps
Net Interest Margin3.36%3.27%3.28%2.95%2.97%-39 bps
Efficiency Ratio85.93%88.24%89.40%91.61%90.02%+409 bps
Growth
Asset Growth (YoY)6.40%11.36%11.27%8.93%7.04%+65 bps
Loan Growth (YoY)-18.22%-17.97%-16.00%-12.87%-9.83%+839 bps
Share Growth (YoY)6.39%11.91%11.91%9.53%7.57%+118 bps
Asset Quality
Delinquent Loans / Loans2.07%1.87%1.93%2.00%1.84%-23 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 Capital9.82%9.58%9.49%9.20%9.31%-51 bps
Net Worth / Assets9.82%9.58%9.49%9.20%9.31%-51 bps
Liquidity & Funding
Loans / Shares31.76%29.38%28.03%26.61%26.62%-514 bps
Liquid Assets / Assets0.00%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

Westex

Lubbock, TX · Charter 5373 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 3 branches

Q2 2026

$88.9MAssets
$21.1MLoans
$79.4MShares
$8.3MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 35% of credit unions under $1B in assets in TX (rank 153 of 235).
  • Widest gap: net interest margin trails 90% of credit unions under $1B in assets in TX (rank 212 of 235).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.22%

Rank 170 of 235

Net Interest Margin

2.97%

Rank 212 of 235

Efficiency Ratio

90.00%

Rank 167 of 235

Equity / Assets

9.31%

Rank 209 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%0.17%0.57%1.10%Beats 28%170 / 235
Return on Equity2.34%1.03%4.30%7.58%Beats 35%153 / 235
Net Interest Margin2.97%3.32%3.89%4.35%Beats 10%212 / 235
Efficiency Ratio90.00%70.60%82.00%91.57%Beats 29%167 / 235
Asset Quality
Nonperforming Loans / Loans1.84%0.20%0.59%1.14%Beats 15%200 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.31%11.30%14.41%19.49%Beats 11%209 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.31%11.30%14.41%19.49%Beats 11%209 / 235
Liquidity & Funding
Loans / Deposits26.62%54.18%67.38%81.66%3rd pctl228 / 235
Loans / Assets23.79%43.80%56.63%68.64%4th pctl226 / 235
Brokered Deposits / Depositsn/aNot reported for this institution