I.B.E.W. Local #681
Wichita Falls, TX · Charter 61021 · Peer group: credit unions under $1B in assets in TX (n=240)
NCUA · 1 branch
Q3 2025
$654KAssets
$367KLoans
$618KShares
$35KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets in TX (rank 15 of 240).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in TX (rank 240 of 240).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |