Wichita Falls, TX · Charter 61021
NCUA · 1 branch
Q3 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | -1.40% | 0.48% | -4.26% | -3.56% | -450 bps | |
| Return on Equity | 10.19% | -19.46% | 6.80% | -87.28% | -67.19% | -7,738 bps | |
| Net Interest Margin | 5.01% | 5.00% | 5.00% | 4.84% | 5.38% | +37 bps | |
| Efficiency Ratio | 97.57% | 145.71% | 88.18% | 114.77% | 106.43% | +886 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.86% | -7.12% | -8.80% | -3.37% | -13.72% | -1,658 bps | |
| Loan Growth (YoY) | 9.23% | 2.38% | 1.18% | -19.99% | -27.81% | -3,703 bps | |
| Share Growth (YoY) | 3.26% | -5.94% | -7.34% | 1.31% | -10.17% | -1,342 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.89% | 3.45% | 3.69% | 5.10% | 6.26% | +237 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.27% | 7.19% | 7.13% | 4.88% | 5.29% | -398 bps | |
| Net Worth / Assets | 9.27% | 7.19% | 7.13% | 4.88% | 5.29% | -398 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |