West Texas

Odessa, TX · 2 · Charter #67592 · www.westtexascu.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
$65.5M
17th percentile
Members
5,081
26th percentile
Total loans
$38.9M
26th percentile
Total shares
$58.3M
21th percentile

Profitability

Return on assets
0.41%
13th percentile
Net interest margin
4.42%
87th percentile
Efficiency ratio
86.84%
2th percentile
Non-interest income ratio
24.34%
80th percentile

Capital & Risk

Net worth ratio
9.92%
22th percentile
Delinquency rate
0.95%
36th percentile
Net charge-off rate
0.22%
63th percentile
Loan-to-share
66.71%
47th percentile

Growth

Member growth YoY
5.04%
93th percentile
Asset growth YoY
4.29%
54th percentile
Loan growth YoY
10.99%
89th percentile
Share growth YoY
4.42%
59th percentile

Operations

Members / branch
1,694
13th percentile
Assets / member
$12,896
37th percentile
Field of membership penetration
3.68%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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