PackageTrendsPeer
Letter portraitLegal landscape

Texoma Community

Wichita Falls, TX · Charter 61527

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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

43

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 2026-10-10

Texoma Community

Wichita Falls, TX · Charter 61527

NCUA · 3 branches

Q2 2026

$325.5MAssets
$268.7MLoans
$278.7MShares
$36.5MNet 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 0.45%, down 86 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.70% of loans (+6 bps YoY).
  • Capital: net worth / assets of 11.22%, down 54 bps from a year ago.
  • Funding: loans stand at 96.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%-86 bps YoY

Net Interest Margin (YTD, annualized)

4.46%-21 bps YoY

Efficiency Ratio (YTD, annualized)

83.93%+671 bps YoY

Net Worth / Assets

11.22%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.15%1.08%0.11%0.45%-86 bps
Return on Equity11.13%9.74%9.25%0.99%4.04%-709 bps
Net Interest Margin4.67%4.68%4.59%4.61%4.46%-21 bps
Efficiency Ratio77.22%76.91%76.31%87.67%83.93%+671 bps
Growth
Asset Growth (YoY)4.41%6.47%11.25%10.26%11.11%+670 bps
Loan Growth (YoY)7.68%13.18%16.08%13.39%9.26%+157 bps
Share Growth (YoY)5.52%6.86%12.43%10.69%9.67%+415 bps
Asset Quality
Delinquent Loans / Loans0.64%0.51%0.67%0.57%0.70%+6 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 Capital11.76%11.80%11.67%11.42%11.22%-54 bps
Net Worth / Assets11.76%11.80%11.67%11.42%11.22%-54 bps
Liquidity & Funding
Loans / Shares96.75%98.59%98.65%98.28%96.38%-36 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 2026-10-10

Texoma Community

Wichita Falls, TX · Charter 61527 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 3 branches

Q2 2026

$325.5MAssets
$268.7MLoans
$278.7MShares
$36.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets in TX (rank 49 of 235).
  • Widest gap: equity / assets trails 76% of credit unions under $1B in assets in TX (rank 178 of 235).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.45%

Rank 133 of 235

Net Interest Margin

4.46%

Rank 49 of 235

Efficiency Ratio

83.93%

Rank 134 of 235

Equity / Assets

11.22%

Rank 178 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.17%0.57%1.10%Beats 43%133 / 235
Return on Equity4.04%1.03%4.30%7.58%Beats 47%124 / 235
Net Interest Margin4.46%3.32%3.89%4.35%Beats 79%49 / 235
Efficiency Ratio83.93%70.60%82.00%91.57%Beats 43%134 / 235
Asset Quality
Nonperforming Loans / Loans0.70%0.20%0.59%1.14%Beats 41%140 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.22%11.30%14.41%19.49%Beats 24%178 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.22%11.30%14.41%19.49%Beats 24%178 / 235
Liquidity & Funding
Loans / Deposits96.38%54.18%67.38%81.66%96th pctl9 / 235
Loans / Assets82.54%43.80%56.63%68.64%97th pctl8 / 235
Brokered Deposits / Depositsn/aNot reported for this institution