Wichita Falls Teachers

Wichita Falls, TX · 1 · Charter #2112 · www.wftfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$111.7M
53th percentile
Members
6,276
38th percentile
Total loans
$55.5M
46th percentile
Total shares
$98.6M
55th percentile

Profitability

Return on assets
1.17%
60th percentile
Net interest margin
3.72%
54th percentile
Efficiency ratio
64.02%
46th percentile
Non-interest income ratio
18.61%
58th percentile

Capital & Risk

Net worth ratio
12.37%
52th percentile
Delinquency rate
0.74%
49th percentile
Net charge-off rate
0.78%
16th percentile
Loan-to-share
56.30%
30th percentile

Growth

Member growth YoY
-1.03%
45th percentile
Asset growth YoY
12.29%
93th percentile
Loan growth YoY
-1.73%
32th percentile
Share growth YoY
11.86%
91th percentile

Operations

Members / branch
6,276
91th percentile
Assets / member
$17,791
75th percentile
Field of membership penetration
39.23%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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