WINDTHORST
Charter #16373 · WINDTHORST, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,058 sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.93% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.71% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.13% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WINDTHORST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.11M | 0th pct | 5th pct |
| Members | 3,058 | 0th pct | 2th pct |
| Net worth ratio | 12.29% | 61th pct | 62th pct |
| Return on average assets | 1.02% | 70th pct | 66th pct |
| Net interest margin | 2.93% | 12th pct | 11th pct |
| Cost of funds | 2.71% | 98th pct | 97th pct |
| Loan-to-share | 74.56% | 55th pct | 41th pct |
| Delinquency 60+ days | 0.13% | 9th pct | 11th pct |
| Net charge-off ratio | -0.00% | 4th pct | 5th pct |
| Loan growth YoY | 1.29% | 60th pct | 51th pct |
| Share growth YoY | 3.74% | 54th pct | 61th pct |
| Efficiency ratio | 63.49% | 12th pct | 18th pct |
structural peer set hash: d7546c6fc74289aa4ea3294c739ca06a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.