Westex Community

Kermit, TX · 2 · Charter #67915 · www.wccu.net/
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
$224.9M
95th percentile
Members
17,402
95th percentile
Total loans
$114.4M
83th percentile
Total shares
$190.0M
95th percentile

Profitability

Return on assets
2.49%
98th percentile
Net interest margin
3.87%
62th percentile
Efficiency ratio
51.51%
80th percentile
Non-interest income ratio
31.03%
94th percentile

Capital & Risk

Net worth ratio
14.58%
74th percentile
Delinquency rate
1.13%
28th percentile
Net charge-off rate
0.33%
50th percentile
Loan-to-share
60.20%
36th percentile

Growth

Member growth YoY
3.39%
88th percentile
Asset growth YoY
13.79%
95th percentile
Loan growth YoY
8.39%
82th percentile
Share growth YoY
12.78%
93th percentile

Operations

Members / branch
2,900
45th percentile
Assets / member
$12,922
37th percentile
Field of membership penetration
30.50%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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