Union Square
Wichita Falls, TX · Charter 68664 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
$601.3MAssets
$437.1MLoans
$550.3MShares
$50.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 50% of credit unions under $1B in assets in TX (rank 118 of 235).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets in TX (rank 226 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |