Wichita Falls, TX · Charter 67549
NCUA · 1 branch
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
63
Asset Quality
57
Profitability
34
Liquidity
73
Efficiency
6
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 67549
NCUA · 1 branch
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 | 0.36% | 0.42% | -0.26% | 0.04% | 0.22% | 0.36% | -0.79% | -0.78% | -82 bps | |
| Return on Equity | 2.65% | 3.02% | -1.87% | 0.28% | 1.47% | 2.40% | -5.30% | -4.81% | -509 bps | |
| Net Interest Margin | 4.87% | 4.94% | 4.66% | 4.78% | 4.85% | 4.86% | 4.51% | 4.81% | +3 bps | |
| Efficiency Ratio | 88.25% | 87.48% | 98.84% | 95.79% | 93.03% | 92.19% | 106.11% | 107.75% | +1,196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.37% | -9.15% | -5.11% | -6.19% | -4.25% | -3.19% | -4.66% | -12.93% | -674 bps | |
| Loan Growth (YoY) | -5.94% | 0.74% | -6.40% | -5.16% | -7.60% | -11.35% | -7.29% | -15.16% | -999 bps | |
| Share Growth (YoY) | -9.88% | -11.06% | -6.08% | -7.09% | -4.85% | -4.21% | -12.34% | -14.04% | -695 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.28% | 0.30% | 0.35% | 0.60% | 0.29% | 0.74% | 0.47% | +12 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 | 0.37% | 0.27% | 0.45% | 0.47% | 0.54% | 0.44% | 0.70% | 0.65% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.73% | 14.06% | 13.95% | 14.11% | 14.66% | 14.88% | 14.86% | 16.26% | +214 bps | |
| Net Worth / Assets | 13.73% | 14.06% | 13.95% | 14.11% | 14.66% | 14.88% | 14.86% | 16.26% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.95% | 64.42% | 59.17% | 60.97% | 59.18% | 59.62% | 62.58% | 60.18% | -79 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 67549 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.79%
Rank 222 of 235
Net Interest Margin
4.81%
Rank 25 of 235
Efficiency Ratio
107.63%
Rank 223 of 235
Equity / Assets
16.25%
Rank 88 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 6% | 222 / 235 | ||
| Return on Equity | -4.84% | 1.03% | 4.30% | 7.58% | Beats 6% | 221 / 235 | ||
| Net Interest Margin | 4.81% | 3.32% | 3.89% | 4.35% | Beats 89% | 25 / 235 | ||
| Efficiency Ratio | 107.63% | 70.60% | 82.00% | 91.57% | Beats 6% | 223 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.20% | 0.59% | 1.14% | Beats 57% | 103 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.25% | 11.30% | 14.41% | 19.49% | Beats 63% | 88 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.25% | 11.30% | 14.41% | 19.49% | Beats 63% | 88 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.17% | 54.18% | 67.38% | 81.66% | 35th pctl | 152 / 235 | ||
| Loans / Assets | 49.42% | 43.80% | 56.63% | 68.64% | 34th pctl | 155 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||