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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.55% | 0.17% | 0.57% | 1.10% | Beats 98% | 4 / 235 | |
| Return on Equity | 16.54% | 1.03% | 4.30% | 7.58% | Beats 98% | 4 / 235 | |
| Net Interest Margin | 4.12% | 3.32% | 3.89% | 4.35% | Beats 67% | 78 / 235 | |
| Efficiency Ratio | 57.27% | 70.60% | 82.00% | 91.57% | Beats 94% | 14 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.20% | 0.59% | 1.14% | Beats 46% | 129 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.44% | 11.30% | 14.41% | 19.49% | Beats 57% | 101 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.44% | 11.30% | 14.41% | 19.49% | Beats 57% | 101 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 59.29% | 54.18% | 67.38% | 81.66% | 32nd pctl | 159 / 235 | |
| Loans / Assets | 49.68% | 43.80% | 56.63% | 68.64% | 34th pctl | 154 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |