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
| 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 |