Wharton County Teachers

Wharton, TX · 2 · Charter #67458 · www.wctcu.org/
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.8M
35th percentile
Members
677
24th percentile
Total loans
$2.8M
30th percentile
Total shares
$5.6M
33th percentile

Profitability

Return on assets
0.99%
59th percentile
Net interest margin
3.45%
32th percentile
Efficiency ratio
67.69%
48th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
26.72%
89th percentile
Delinquency rate
0.10%
78th percentile
Net charge-off rate
0.14%
56th percentile
Loan-to-share
49.90%
34th percentile

Growth

Member growth YoY
-3.56%
28th percentile
Asset growth YoY
-8.57%
7th percentile
Loan growth YoY
13.00%
92th percentile
Share growth YoY
-10.93%
7th percentile

Operations

Members / branch
677
32th percentile
Assets / member
$11,553
68th percentile
Field of membership penetration
1.65%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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