| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +7.7% | +0.9% | +6.7 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.3 pts |
| ROA | 0.11% | 0.65% | -0.5 pts |
| ROE | 1.2% | 4.4% | -3.2 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.3M | $63.1M | $38.0M | $6.5M | $38K | 0.11% | 4.13% | 1.07% | 5,129 |
| Q1 2026 | $70.3M | $63.0M | $38.2M | $6.5M | $17K | 0.10% | 4.10% | 0.77% | 5,135 |
| Q4 2025 | $65.5M | $58.3M | $38.9M | $6.5M | $176K | 0.27% | 4.42% | 0.95% | 5,081 |
| Q3 2025 | $65.7M | $58.5M | $39.5M | $6.5M | $117K | 0.24% | 4.40% | 0.92% | 5,000 |
| Q2 2025 | $65.8M | $58.6M | $39.1M | $6.4M | $93K | 0.28% | 4.35% | 0.69% | 4,932 |
| Q1 2025 | $65.2M | $58.1M | $37.5M | $6.4M | $37K | 0.23% | 4.27% | 0.33% | 4,918 |
| Q4 2024 | $62.8M | $55.9M | $35.1M | $6.3M | $42K | 0.07% | 4.08% | 0.42% | 4,837 |
| Q3 2024 | $62.2M | $55.3M | $33.2M | $6.4M | $116K | 0.25% | 4.08% | 0.64% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | West Texas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,828 |
| Q2 2024 | $62.5M | $55.5M | $33.8M | $6.4M | $110K | 0.35% | 4.03% | 0.78% | 4,822 |
Loan mix (Q2 2026): real estate $6.9M · commercial $0 · consumer $30.5M · securities $16.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.6% | 80.6% | 82nd |
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% |
| Ratio | West Texas Credit Union | 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% |
| Ratio | West Texas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | West Texas Credit Union | 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% |
| Ratio | West Texas Credit Union | 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% |
| Ratio | West Texas Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Ector, TX, ranked 22nd with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ector, TX | 2 | $42.1M* | 0.88% | 22nd |
| Midland, TX | 1 | $21.0M* | 0.21% | 26th |
Texas: 592nd with 0.00% · Odessa metro: 22nd, 0.88% · Midland metro: 27th, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 3 · 2024 3 · 2025 3 · 2026 3