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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.17% | 0.57% | 1.10% | Beats 43% | 133 / 235 | |
| Return on Equity | 4.04% | 1.03% | 4.30% | 7.58% | Beats 47% | 124 / 235 | |
| Net Interest Margin | 4.46% | 3.32% | 3.89% | 4.35% | Beats 79% | 49 / 235 | |
| Efficiency Ratio | 83.93% | 70.60% | 82.00% | 91.57% | Beats 43% | 134 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.20% | 0.59% | 1.14% | Beats 41% | 140 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.22% | 11.30% | 14.41% | 19.49% | Beats 24% | 178 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.22% | 11.30% | 14.41% | 19.49% | Beats 24% | 178 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 96.38% | 54.18% | 67.38% | 81.66% | 96th pctl | 9 / 235 | |
| Loans / Assets | 82.54% | 43.80% | 56.63% | 68.64% | 97th pctl | 8 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |