WEST TEXAS
Charter #67592 · Odessa, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.27% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.10% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 4.24% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 98.36% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 69th — a 21-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 | WEST TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.26M | 47th pct | 69th pct |
| Members | 5,135 | 53th pct | 62th pct |
| Net worth ratio | 9.27% | 13th pct | 16th pct |
| Return on average assets | 0.10% | 18th pct | 13th pct |
| Net interest margin | 4.24% | 79th pct | 80th pct |
| Cost of funds | 0.51% | 24th pct | 31th pct |
| Loan-to-share | 60.58% | 50th pct | 52th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 74th pct |
| Net charge-off ratio | 0.05% | 25th pct | 26th pct |
| Loan growth YoY | -3.34% | 32th pct | 44th pct |
| Share growth YoY | 7.81% | 91th pct | 85th pct |
| Efficiency ratio | 98.36% | 93th pct | 95th pct |
structural peer set hash: 7128385add2e02682d7336f052e455a2… (reproducible)
Closest structural peers
This is the free public view
Claim WEST TEXAS
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.