WICHITA FALLS TEACHERS
Charter #2112 · Wichita Falls, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,265 sits at the 18th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 44th — a 24-point gap showing why the peer definition matters.
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 | WICHITA FALLS TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $115.00M | 10th pct | 28th pct |
| Members | 6,265 | 8th pct | 18th pct |
| Net worth ratio | 12.20% | 59th pct | 64th pct |
| Return on average assets | 0.91% | 64th pct | 54th pct |
| Net interest margin | 3.79% | 59th pct | 59th pct |
| Cost of funds | 1.11% | 44th pct | 62th pct |
| Loan-to-share | 56.23% | 20th pct | 44th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 36th pct |
| Net charge-off ratio | 0.57% | 70th pct | 62th pct |
| Loan growth YoY | 3.68% | 79th pct | 84th pct |
| Share growth YoY | 6.80% | 86th pct | 85th pct |
| Efficiency ratio | 76.39% | 42th pct | 41th pct |
structural peer set hash: be0114e27af87db4647100e73ae28fb7… (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.