WESTEX
Charter #5373 · Lubbock, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.20% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 0.08% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.00% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.24% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.00% sits at the 89th percentile of structural peers — worth a closer look.
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 | WESTEX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.04M | 81th pct | 74th pct |
| Members | 6,783 | 77th pct | 72th pct |
| Net worth ratio | 9.20% | 12th pct | 7th pct |
| Return on average assets | 0.08% | 16th pct | 7th pct |
| Net interest margin | 3.00% | 17th pct | 15th pct |
| Cost of funds | 1.24% | 67th pct | 84th pct |
| Loan-to-share | 26.61% | 3th pct | 8th pct |
| Delinquency 60+ days | 2.00% | 94th pct | 89th pct |
| Net charge-off ratio | 0.56% | 75th pct | 72th pct |
| Loan growth YoY | -4.92% | 18th pct | 30th pct |
| Share growth YoY | 4.97% | 73th pct | 62th pct |
| Efficiency ratio | 91.61% | 84th pct | 85th pct |
structural peer set hash: 4ee3219e8389dd4d70e9d18e9b71b529… (reproducible)
Closest structural peers
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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.