Waco

WACO, TX · 1 · Charter #6368 · www.wacofcu.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
$19.7M
61th percentile
Members
1,947
64th percentile
Total loans
$8.7M
60th percentile
Total shares
$17.6M
64th percentile

Profitability

Return on assets
1.23%
69th percentile
Net interest margin
4.49%
68th percentile
Efficiency ratio
73.33%
37th percentile
Non-interest income ratio
19.87%
82th percentile

Capital & Risk

Net worth ratio
10.01%
16th percentile
Delinquency rate
0.93%
44th percentile
Net charge-off rate
0.15%
56th percentile
Loan-to-share
49.38%
33th percentile

Growth

Member growth YoY
0.10%
69th percentile
Asset growth YoY
5.34%
76th percentile
Loan growth YoY
8.24%
87th percentile
Share growth YoY
4.84%
74th percentile

Operations

Members / branch
974
45th percentile
Assets / member
$10,138
57th percentile
Field of membership penetration
1.05%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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