Wichita Falls, TX · Charter 61021
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=240). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
1
Profitability
32
Liquidity
57
Efficiency
4
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 61021
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.64% | 2.70% | 1.90% | 0.94% | -1.40% | 0.48% | -4.26% | -3.56% | -450 bps | |
| Return on Equity | -43.70% | 31.22% | 20.21% | 10.19% | -19.46% | 6.80% | -87.28% | -67.19% | -7,738 bps | |
| Net Interest Margin | 4.12% | 4.55% | 4.84% | 5.01% | 5.00% | 5.00% | 4.84% | 5.38% | +37 bps | |
| Efficiency Ratio | 108.95% | 87.56% | 84.37% | 97.57% | 145.71% | 88.18% | 114.77% | 106.43% | +886 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.86% | 11.66% | 6.67% | 2.86% | -7.12% | -8.80% | -3.37% | -13.72% | -1,658 bps | |
| Loan Growth (YoY) | 5.76% | -1.26% | 19.69% | 9.23% | 2.38% | 1.18% | -19.99% | -27.81% | -3,703 bps | |
| Share Growth (YoY) | 14.66% | 17.12% | 7.41% | 3.26% | -5.94% | -7.34% | 1.31% | -10.17% | -1,342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.55% | 6.92% | 0.84% | 5.50% | 1.48% | 1.06% | 7.73% | 13.63% | +813 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.68% | 5.01% | 3.98% | 3.89% | 3.45% | 3.69% | 5.10% | 6.26% | +237 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.33% | 8.64% | 9.40% | 9.27% | 7.19% | 7.13% | 4.88% | 5.29% | -398 bps | |
| Net Worth / Assets | 8.33% | 8.64% | 9.40% | 9.27% | 7.19% | 7.13% | 4.88% | 5.29% | -398 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.88% | 61.27% | 71.58% | 73.84% | 72.80% | 66.91% | 56.53% | 59.34% | -1,450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wichita Falls, TX · Charter 61021 · Peer group: credit unions under $1B in assets in TX (n=240)
NCUA · 1 branch
Q3 2025
Return on Assets
-3.47%
Rank 237 of 240
Net Interest Margin
5.30%
Rank 15 of 240
Efficiency Ratio
107.41%
Rank 232 of 240
Equity / Assets
5.35%
Rank 240 of 240
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.47% | 0.16% | 0.69% | 1.20% | Beats 1% | 237 / 240 | ||
| Return on Equity | -64.76% | 1.18% | 4.72% | 8.60% | Beats 0% | 239 / 240 | ||
| Net Interest Margin | 5.30% | 3.30% | 3.82% | 4.44% | Beats 94% | 15 / 240 | ||
| Efficiency Ratio | 107.41% | 69.31% | 80.06% | 89.91% | Beats 4% | 232 / 240 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 13.62% | 0.22% | 0.59% | 1.22% | Beats 1% | 239 / 240 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 5.29% | 10.99% | 14.20% | 19.08% | Beats 0% | 240 / 240 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 5.35% | 10.99% | 14.20% | 19.08% | Beats 0% | 240 / 240 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.34% | 56.96% | 70.41% | 81.53% | 30th pctl | 169 / 240 | ||
| Loans / Assets | 56.12% | 46.64% | 59.56% | 70.91% | 42nd pctl | 139 / 240 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||