PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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