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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.22% | 0.17% | 0.57% | 1.10% | Beats 28% | 170 / 235 | |
| Return on Equity | 2.34% | 1.03% | 4.30% | 7.58% | Beats 35% | 153 / 235 | |
| Net Interest Margin | 2.97% | 3.32% | 3.89% | 4.35% | Beats 10% | 212 / 235 | |
| Efficiency Ratio | 90.00% | 70.60% | 82.00% | 91.57% | Beats 29% | 167 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.84% | 0.20% | 0.59% | 1.14% | Beats 15% | 200 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.31% | 11.30% | 14.41% | 19.49% | Beats 11% | 209 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.31% | 11.30% | 14.41% | 19.49% | Beats 11% | 209 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 26.62% | 54.18% | 67.38% | 81.66% | 3rd pctl | 228 / 235 | |
| Loans / Assets | 23.79% | 43.80% | 56.63% | 68.64% | 4th pctl | 226 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |