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Westex Community

Kermit, TX · Charter 67915

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in TX3

Basis

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.

Peer group

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.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Westex Community

Kermit, TX · Charter 67915

NCUA · 5 branches

Q2 2026

$231.4MAssets
$115.0MLoans
$193.9MShares
$35.7MNet 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 2.55%, up 35 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.63% of loans (-21 bps YoY).
  • Capital: net worth / assets of 15.44%, up 148 bps from a year ago.
  • Funding: loans stand at 59.29% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.55%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+27 bps YoY

Efficiency Ratio (YTD, annualized)

57.28%-163 bps YoY

Net Worth / Assets

15.44%+148 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.21%2.23%2.20%2.17%2.55%+35 bps
Return on Equity15.81%15.41%15.12%14.90%16.54%+73 bps
Net Interest Margin3.85%3.93%3.87%4.02%4.12%+27 bps
Efficiency Ratio58.90%58.64%58.24%60.95%57.28%-163 bps
Growth
Asset Growth (YoY)11.85%14.00%13.79%12.87%6.93%-492 bps
Loan Growth (YoY)7.01%8.22%8.39%9.40%6.12%-89 bps
Share Growth (YoY)10.67%13.04%12.78%11.78%4.74%-593 bps
Asset Quality
Delinquent Loans / Loans0.84%0.74%1.13%0.71%0.63%-21 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 Capital13.96%14.47%14.58%14.59%15.44%+148 bps
Net Worth / Assets13.96%14.47%14.58%14.59%15.44%+148 bps
Liquidity & Funding
Loans / Shares58.51%60.39%60.20%58.83%59.29%+77 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Westex Community

Kermit, TX · Charter 67915 · Peer group: credit unions under $1B in assets in TX (n=235)

NCUA · 5 branches

Q2 2026

$231.4MAssets
$115.0MLoans
$193.9MShares
$35.7MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 98% of credit unions under $1B in assets in TX (rank 4 of 235).
  • Widest gap: nonperforming loans / loans trails 54% of credit unions under $1B in assets in TX (rank 129 of 235).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.55%

Rank 4 of 235

Net Interest Margin

4.12%

Rank 78 of 235

Efficiency Ratio

57.27%

Rank 14 of 235

Equity / Assets

15.44%

Rank 101 of 235

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.55%0.17%0.57%1.10%Beats 98%4 / 235
Return on Equity16.54%1.03%4.30%7.58%Beats 98%4 / 235
Net Interest Margin4.12%3.32%3.89%4.35%Beats 67%78 / 235
Efficiency Ratio57.27%70.60%82.00%91.57%Beats 94%14 / 235
Asset Quality
Nonperforming Loans / Loans0.63%0.20%0.59%1.14%Beats 46%129 / 235
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.44%11.30%14.41%19.49%Beats 57%101 / 235
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.44%11.30%14.41%19.49%Beats 57%101 / 235
Liquidity & Funding
Loans / Deposits59.29%54.18%67.38%81.66%32nd pctl159 / 235
Loans / Assets49.68%43.80%56.63%68.64%34th pctl154 / 235
Brokered Deposits / Depositsn/aNot reported for this institution