Wichita Falls, TX · Charter 6317
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
31
Asset Quality
69
Profitability
73
Liquidity
93
Efficiency
55
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.
Wichita Falls, TX · Charter 6317
NCUA · 2 branches
Q2 2026
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.97% | -1.01% | -0.18% | 0.09% | 0.79% | 1.01% | 0.52% | 0.79% | +71 bps | |
| Return on Equity | -7.45% | -7.90% | -1.53% | 0.72% | 6.73% | 8.11% | 4.35% | 6.72% | +600 bps | |
| Net Interest Margin | 4.94% | 4.97% | 4.85% | 4.89% | 4.72% | 4.96% | 4.90% | 4.92% | +4 bps | |
| Efficiency Ratio | 111.01% | 108.20% | 97.25% | 91.73% | 81.39% | 81.72% | 83.06% | 79.57% | -1,216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.46% | -1.72% | 3.76% | 6.22% | 14.95% | 11.84% | 11.96% | 12.50% | +628 bps | |
| Loan Growth (YoY) | 13.91% | 15.02% | 19.61% | 19.21% | 16.12% | 11.24% | 6.87% | 6.62% | -1,259 bps | |
| Share Growth (YoY) | -2.05% | -0.64% | 5.79% | 8.24% | 17.03% | 12.61% | 12.46% | 11.85% | +361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.12% | 0.34% | 0.18% | 0.12% | 0.35% | 0.00% | 0.32% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.04% | 12.78% | 12.09% | 11.86% | 11.69% | 12.44% | 11.92% | 11.83% | -3 bps | |
| Net Worth / Assets | 13.04% | 12.78% | 12.09% | 11.86% | 11.69% | 12.44% | 11.92% | 11.83% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.05% | 72.41% | 72.57% | 72.48% | 68.51% | 71.54% | 68.96% | 69.09% | -339 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wichita Falls, TX · Charter 6317 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.79% | 0.17% | 0.57% | 1.10% | Beats 60% | 95 / 235 | ||
| Return on Equity | 6.71% | 1.03% | 4.30% | 7.58% | Beats 69% | 72 / 235 | ||
| Net Interest Margin | 4.92% | 3.32% | 3.89% | 4.35% | Beats 91% | 20 / 235 | ||
| Efficiency Ratio | 79.60% | 70.60% | 82.00% | 91.57% | Beats 55% | 106 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.20% | 0.59% | 1.14% | Beats 69% | 74 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.83% | 11.30% | 14.41% | 19.49% | Beats 31% | 163 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.83% | 11.30% | 14.41% | 19.49% | Beats 31% | 163 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.09% | 54.18% | 67.38% | 81.66% | 52nd pctl | 113 / 235 | ||
| Loans / Assets | 60.08% | 43.80% | 56.63% | 68.64% | 57th pctl | 102 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||