W T N M Atlantic
Denver City, TX · Charter 7677 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$2.1MAssets
$1.1MLoans
$1.7MShares
$453KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets in TX (rank 4 of 235).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets in TX (rank 233 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.94%
Rank 77 of 235
Net Interest Margin
5.80%
Rank 4 of 235
Efficiency Ratio
79.37%
Rank 105 of 235
Equity / Assets
21.19%
Rank 47 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.17% | 0.57% | 1.10% | Beats 67% | 77 / 235 | |
| Return on Equity | 4.42% | 1.03% | 4.30% | 7.58% | Beats 52% | 113 / 235 | |
| Net Interest Margin | 5.80% | 3.32% | 3.89% | 4.35% | Beats 98% | 4 / 235 | |
| Efficiency Ratio | 79.37% | 70.60% | 82.00% | 91.57% | Beats 56% | 105 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.74% | 0.20% | 0.59% | 1.14% | Beats 1% | 233 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.19% | 11.30% | 14.41% | 19.49% | Beats 80% | 47 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.19% | 11.30% | 14.41% | 19.49% | Beats 80% | 47 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 64.05% | 54.18% | 67.38% | 81.66% | 43rd pctl | 135 / 235 | |
| Loans / Assets | 50.00% | 43.80% | 56.63% | 68.64% | 36th pctl | 150 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |