PackageTrendsPeer
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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 (quarter, annualized)

2.55%+35 bps YoY

Net Interest Margin (quarter, annualized)

4.12%+27 bps YoY

Efficiency Ratio (quarter, annualized)

57.28%-163 bps YoY

Net Worth / Assets

15.44%+148 bps YoY

Discrete quarter, annualized.

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