WESTEX COMMUNITY
Charter #67915 · Kermit, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.59% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.21% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.10% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.20% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.95% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $233.43M | 60th pct | 56th pct |
| Members | 17,037 | 66th pct | 59th pct |
| Net worth ratio | 14.59% | 83th pct | 82th pct |
| Return on average assets | 2.21% | 98th pct | 93th pct |
| Net interest margin | 4.10% | 76th pct | 87th pct |
| Cost of funds | 0.20% | 9th pct | 7th pct |
| Loan-to-share | 58.83% | 25th pct | 31th pct |
| Delinquency 60+ days | 0.71% | 58th pct | 64th pct |
| Net charge-off ratio | 0.51% | 66th pct | 57th pct |
| Loan growth YoY | 4.40% | 83th pct | 82th pct |
| Share growth YoY | 7.17% | 88th pct | 93th pct |
| Efficiency ratio | 60.95% | 10th pct | 11th pct |
structural peer set hash: c3428538402d9f9b5e160d804542cd1a… (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.