WHARTON COUNTY TEACHERS
Charter #67458 · Wharton, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 27.90% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.14% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 56th — a 28-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 | WHARTON COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.54M | 83th pct | 56th pct |
| Members | 675 | 58th pct | 31th pct |
| Net worth ratio | 27.90% | 82th pct | 85th pct |
| Return on average assets | 1.21% | 78th pct | 74th pct |
| Net interest margin | 3.95% | 48th pct | 67th pct |
| Cost of funds | 0.14% | 25th pct | 5th pct |
| Loan-to-share | 56.70% | 48th pct | 49th pct |
| Delinquency 60+ days | 0.26% | 35th pct | 44th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | 9.16% | 92th pct | 92th pct |
| Share growth YoY | -4.65% | 19th pct | 10th pct |
| Efficiency ratio | 67.00% | 23th pct | 30th pct |
structural peer set hash: 71e0ff9e8331e9dc8c06cd80d2bc6511… (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.