Wichita Falls, TX · Charter 67554
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
23
Asset Quality
69
Profitability
36
Liquidity
45
Efficiency
26
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 67554
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 | 2.12% | 1.75% | 0.19% | 0.50% | 0.38% | 0.36% | -0.01% | 0.23% | -27 bps | |
| Return on Equity | 17.43% | 14.61% | 1.61% | 4.27% | 3.23% | 3.18% | -0.07% | 2.10% | -217 bps | |
| Net Interest Margin | 3.73% | 3.73% | 3.88% | 3.97% | 4.02% | 3.97% | 3.79% | 3.84% | -13 bps | |
| Efficiency Ratio | 65.44% | 69.01% | 95.27% | 87.31% | 89.67% | 89.18% | 94.87% | 90.85% | +355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | 3.41% | 5.95% | 4.88% | 7.16% | 6.85% | 7.01% | 7.81% | +293 bps | |
| Loan Growth (YoY) | 2.48% | 0.75% | -1.07% | -1.44% | 0.99% | 2.24% | 3.38% | 2.17% | +361 bps | |
| Share Growth (YoY) | -0.78% | 0.54% | 4.44% | 4.63% | 7.55% | 8.86% | 7.71% | 8.53% | +390 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.23% | 0.39% | 0.31% | 0.34% | 0.27% | 0.08% | 0.33% | +2 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 | 12.18% | 12.01% | 11.80% | 11.66% | 11.70% | 11.48% | 11.22% | 11.05% | -61 bps | |
| Net Worth / Assets | 12.18% | 12.01% | 11.80% | 11.66% | 11.70% | 11.48% | 11.22% | 11.05% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.88% | 59.59% | 56.45% | 56.17% | 56.22% | 55.96% | 54.18% | 52.88% | -329 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 67554 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
0.23%
Rank 166 of 235
Net Interest Margin
3.84%
Rank 124 of 235
Efficiency Ratio
90.81%
Rank 174 of 235
Equity / Assets
11.05%
Rank 181 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.17% | 0.57% | 1.10% | Beats 29% | 166 / 235 | ||
| Return on Equity | 2.10% | 1.03% | 4.30% | 7.58% | Beats 33% | 157 / 235 | ||
| Net Interest Margin | 3.84% | 3.32% | 3.89% | 4.35% | Beats 47% | 124 / 235 | ||
| Efficiency Ratio | 90.81% | 70.60% | 82.00% | 91.57% | Beats 26% | 174 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.20% | 0.59% | 1.14% | Beats 69% | 75 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.05% | 11.30% | 14.41% | 19.49% | Beats 23% | 181 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.05% | 11.30% | 14.41% | 19.49% | Beats 23% | 181 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.88% | 54.18% | 67.38% | 81.66% | 23rd pctl | 182 / 235 | ||
| Loans / Assets | 46.48% | 43.80% | 56.63% | 68.64% | 29th pctl | 166 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||