WICHITA FALLS
Charter #6317 · Wichita Falls, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.03% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.92% sits at the 80th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 49th — a 20-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.95M | 72th pct | 52th pct |
| Members | 2,766 | 69th pct | 49th pct |
| Net worth ratio | 11.92% | 35th pct | 52th pct |
| Return on average assets | 0.53% | 43th pct | 44th pct |
| Net interest margin | 5.03% | 92th pct | 89th pct |
| Cost of funds | 1.00% | 58th pct | 64th pct |
| Loan-to-share | 68.96% | 69th pct | 61th pct |
| Delinquency 60+ days | 0.00% | 10th pct | 3th pct |
| Net charge-off ratio | 0.92% | 84th pct | 80th pct |
| Loan growth YoY | 2.89% | 86th pct | 79th pct |
| Share growth YoY | 2.22% | 47th pct | 33th pct |
| Efficiency ratio | 83.06% | 57th pct | 52th pct |
structural peer set hash: 1276f0cdf53b8d9942837e0bb7528f82… (reproducible)
Closest structural peers
This is the free public view
Claim WICHITA FALLS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.