Texoma Community Credit Union
Total assets
$314.5M
▲ +10.3% YoY
Shares & deposits
$272.1M
▲ +10.7% YoY
Loans
$267.4M
▲ +13.4% YoY
Members
28,049
▲ +7.8% YoY
ROA (annualized)
0.11%
peers 0.69%
ROE (annualized)
0.99%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +3.9% | +6.3 pts |
| Share growth (YoY) | +10.7% | +3.3% | +7.4 pts |
| Loan growth (YoY) | +13.4% | +2.9% | +10.5 pts |
| ROA | 0.11% | 0.69% | -0.6 pts |
| ROE | 1.0% | 5.9% | -5.0 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 1320, Wichita Falls, TX, 76307
- NCUA charter #
- 61527
- RSSD ID
- 908290
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $314.5M | $272.1M | $267.4M | $35.9M | $89K | 0.11% | 4.61% | 0.57% | 28,049 |
| Q4 2025 | $307.6M | $267.1M | $263.5M | $35.9M | $3.3M | 1.08% | 4.59% | 0.67% | 26,670 |
| Q3 2025 | $297.4M | $256.5M | $252.9M | $35.1M | $2.6M | 1.15% | 4.68% | 0.51% | 26,057 |
| Q2 2025 | $293.0M | $254.2M | $245.9M | $34.5M | $1.9M | 1.31% | 4.67% | 0.64% | 25,690 |
| Q1 2025 | $285.3M | $245.8M | $235.8M | $33.6M | $1.1M | 1.53% | 4.63% | 0.68% | 26,021 |
| Q4 2024 | $276.5M | $237.5M | $227.0M | $32.5M | $2.9M | 1.04% | 4.62% | 0.72% | 25,697 |
| Q3 2024 | $279.3M | $240.0M | $223.4M | $32.0M | $2.4M | 1.14% | 4.54% | 0.76% | 25,435 |
| Q2 2024 | $280.6M | $240.9M | $228.4M | $31.1M | $1.5M | 1.05% | 4.41% | 0.71% | 25,626 |
Loan mix (Q1 2026): real estate $92.6M · commercial $43.8M · consumer $119.8M · securities $1.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.62% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 78.7% | 79th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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