Wichita Falls, TX · Charter 68664
NCUA · 4 branches
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
4
Asset Quality
8
Profitability
42
Liquidity
50
Efficiency
44
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 68664
NCUA · 4 branches
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 | -0.38% | -0.52% | -0.46% | -0.14% | 0.08% | 0.18% | 0.15% | 0.36% | +50 bps | |
| Return on Equity | -4.58% | -6.25% | -5.82% | -1.73% | 0.96% | 2.10% | 1.83% | 4.30% | +603 bps | |
| Net Interest Margin | 3.20% | 3.40% | 3.52% | 3.54% | 3.65% | 3.74% | 3.61% | 3.65% | +12 bps | |
| Efficiency Ratio | 93.79% | 96.62% | 88.04% | 88.53% | 86.45% | 84.35% | 82.09% | 83.79% | -474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.30% | -4.95% | -5.12% | -2.12% | -2.25% | 1.25% | -0.91% | -1.99% | +12 bps | |
| Loan Growth (YoY) | -11.76% | -11.89% | -9.72% | -10.83% | -9.30% | -8.50% | -5.54% | -2.39% | +845 bps | |
| Share Growth (YoY) | -5.36% | -4.47% | -0.14% | 2.91% | 2.42% | 0.90% | -1.29% | -2.53% | -543 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.95% | 0.70% | 0.98% | 1.11% | 1.67% | 2.64% | 2.69% | +170 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 | 8.22% | 8.39% | 7.95% | 7.89% | 8.13% | 8.35% | 8.25% | 8.36% | +47 bps | |
| Net Worth / Assets | 8.22% | 8.39% | 7.95% | 7.89% | 8.13% | 8.35% | 8.25% | 8.36% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.93% | 87.28% | 83.18% | 79.32% | 78.75% | 79.15% | 79.59% | 79.43% | +11 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 68664 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
Return on Assets
0.36%
Rank 148 of 235
Net Interest Margin
3.65%
Rank 145 of 235
Efficiency Ratio
83.80%
Rank 133 of 235
Equity / Assets
8.36%
Rank 226 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.17% | 0.57% | 1.10% | Beats 37% | 148 / 235 | ||
| Return on Equity | 4.30% | 1.03% | 4.30% | 7.58% | Beats 50% | 118 / 235 | ||
| Net Interest Margin | 3.65% | 3.32% | 3.89% | 4.35% | Beats 38% | 145 / 235 | ||
| Efficiency Ratio | 83.80% | 70.60% | 82.00% | 91.57% | Beats 44% | 133 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.69% | 0.20% | 0.59% | 1.14% | Beats 8% | 218 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.36% | 11.30% | 14.41% | 19.49% | Beats 4% | 226 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.36% | 11.30% | 14.41% | 19.49% | Beats 4% | 226 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.43% | 54.18% | 67.38% | 81.66% | 72nd pctl | 66 / 235 | ||
| Loans / Assets | 72.70% | 43.80% | 56.63% | 68.64% | 81st pctl | 44 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||