Wharton County Teachers
Wharton, TX · Charter 67458 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$7.4MAssets
$3.3MLoans
$5.3MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions under $1B in assets in TX (rank 17 of 235).
- Widest gap: return on equity trails 56% of credit unions under $1B in assets in TX (rank 132 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.99%
Rank 67 of 235
Net Interest Margin
3.84%
Rank 123 of 235
Efficiency Ratio
72.03%
Rank 65 of 235
Equity / Assets
28.34%
Rank 17 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.17% | 0.57% | 1.10% | Beats 71% | 67 / 235 | | |
| Return on Equity | 3.51% | 1.03% | 4.30% | 7.58% | Beats 44% | 132 / 235 | | |
| Net Interest Margin | 3.84% | 3.32% | 3.89% | 4.35% | Beats 48% | 123 / 235 | | |
| Efficiency Ratio | 72.03% | 70.60% | 82.00% | 91.57% | Beats 73% | 65 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.20% | 0.59% | 1.14% | Beats 77% | 56 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 28.34% | 11.30% | 14.41% | 19.49% | Beats 93% | 17 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 28.34% | 11.30% | 14.41% | 19.49% | Beats 93% | 17 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.06% | 54.18% | 67.38% | 81.66% | 39th pctl | 144 / 235 | | |
| Loans / Assets | 43.80% | 43.80% | 56.63% | 68.64% | 25th pctl | 177 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |