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Wichita Falls

Wichita Falls, TX · Charter 6317

NCUA · 2 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

55

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 2026-10-11

Wichita Falls

Wichita Falls, TX · Charter 6317

NCUA · 2 branches

Q2 2026

$36.1MAssets
$21.7MLoans
$31.4MShares
$4.3MNet 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 0.79%, up 71 bps year over year; NIM at 4.92%.
  • Asset quality: problem loans at 0.32% of loans (+14 bps YoY).
  • Capital: net worth / assets of 11.83%, down 3 bps from a year ago.
  • Funding: loans stand at 69.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+71 bps YoY

Net Interest Margin (YTD, annualized)

4.92%+4 bps YoY

Efficiency Ratio (YTD, annualized)

79.57%-1,216 bps YoY

Net Worth / Assets

11.83%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.79%1.01%0.52%0.79%+71 bps
Return on Equity0.72%6.73%8.11%4.35%6.72%+600 bps
Net Interest Margin4.89%4.72%4.96%4.90%4.92%+4 bps
Efficiency Ratio91.73%81.39%81.72%83.06%79.57%-1,216 bps
Growth
Asset Growth (YoY)6.22%14.95%11.84%11.96%12.50%+628 bps
Loan Growth (YoY)19.21%16.12%11.24%6.87%6.62%-1,259 bps
Share Growth (YoY)8.24%17.03%12.61%12.46%11.85%+361 bps
Asset Quality
Delinquent Loans / Loans0.18%0.12%0.35%0.00%0.32%+14 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 Capital11.86%11.69%12.44%11.92%11.83%-3 bps
Net Worth / Assets11.86%11.69%12.44%11.92%11.83%-3 bps
Liquidity & Funding
Loans / Shares72.48%68.51%71.54%68.96%69.09%-339 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 2026-10-11

Wichita Falls

Wichita Falls, TX · Charter 6317 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 2 branches

Q2 2026

$36.1MAssets
$21.7MLoans
$31.4MShares
$4.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets in TX (rank 20 of 235).
  • Widest gap: equity / assets trails 69% of credit unions under $1B in assets in TX (rank 163 of 235).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.79%

Rank 95 of 235

Net Interest Margin

4.92%

Rank 20 of 235

Efficiency Ratio

79.60%

Rank 106 of 235

Equity / Assets

11.83%

Rank 163 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.17%0.57%1.10%Beats 60%95 / 235
Return on Equity6.71%1.03%4.30%7.58%Beats 69%72 / 235
Net Interest Margin4.92%3.32%3.89%4.35%Beats 91%20 / 235
Efficiency Ratio79.60%70.60%82.00%91.57%Beats 55%106 / 235
Asset Quality
Nonperforming Loans / Loans0.32%0.20%0.59%1.14%Beats 69%74 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.83%11.30%14.41%19.49%Beats 31%163 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.83%11.30%14.41%19.49%Beats 31%163 / 235
Liquidity & Funding
Loans / Deposits69.09%54.18%67.38%81.66%52nd pctl113 / 235
Loans / Assets60.08%43.80%56.63%68.64%57th pctl102 / 235
Brokered Deposits / Depositsn/aNot reported for this institution