WESTEX COMMUNITY

Charter #67915 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

WESTEX COMMUNITY has 13 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.1% in tier
  • + Emerging Performer: Top 0.2% in tier
  • + Organic Growth Leader: Top 6.2% in tier
  • + Relationship Depth Leader: Top 12.3% in tier
  • + Wallet Share Momentum: Top 13.8% in tier
  • + ROA 1.45% above tier average
  • + Net Interest Margin 0.35% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Asset Growth Rate: Top 4.2% in tier
  • + Deposit Growth Rate: Top 5.7% in tier
  • + Efficiency Ratio: Top 7.1% in tier
  • + Member Growth Rate: Top 9.4% in tier
  • + Fee Income Per Member: Top 9.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 17,319
+5.0% YoY+1.5% QoQ
 +1.7K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 65th in tier
Assets $217.4M
+14.0% YoY+0.5% QoQ
 $-13.9M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $111.4M
+8.2% YoY+2.8% QoQ
 $-36.4M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 42nd in tier
Deposits $184.4M
+13.0% YoY-0.4% QoQ
 $-15.9M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 54th in tier
ROA 2.2%
-2.4% YoY-1.0% QoQ
 +1.4% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 1.7% in tier
NIM 3.9%
+5.8% YoY+0.0% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 69th in tier
Efficiency Ratio 58.6%
-4.5% YoY-0.5% QoQ
 -18.6% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 7.1% in tier
Delinquency Rate 0.7%
-0.3% YoY-12.2% QoQ
 -0.1 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 55th in tier
Loan To Share 60.4%
-4.3% YoY+3.2% QoQ
 -12.3% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Bottom 22.3% in tier
AMR $17,081
+5.9% YoY-0.7% QoQ
 $-7K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 18.3% in tier
CD Concentration 19.5%
+34.2% YoY+5.5% QoQ
 -4.9% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#3 of 603 • Top 0.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 2.24%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Emerging Performer

growth
#5 of 627 • Top 0.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 2.24%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Leader

growth
#83 of 430 • Top 6.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth
#339 of 1006 • Top 12.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.93%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#380 of 1006 • Top 13.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.93%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk
#129 of 552 • Bottom 8.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.47%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 60.39%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
18
Return on Assets (ROA)
profitability
Value: 2.24%
Peer Avg: 0.79%
#18 of 1077 Top 1.6% in 100M-500M tier
46
Asset Growth Rate
growth
Value: 14.00%
Peer Avg: 4.70%
#46 of 1077 Top 4.2% in 100M-500M tier
62
Deposit Growth Rate
growth
Value: 13.04%
Peer Avg: 4.69%
#62 of 1077 Top 5.7% in 100M-500M tier
77
Efficiency Ratio
profitability
Value: 58.64%
Peer Avg: 77.28%
#77 of 1077 Top 7.1% in 100M-500M tier
102
Member Growth Rate
growth
Value: 4.95%
Peer Avg: 0.72%
#102 of 1077 Top 9.4% in 100M-500M tier
104
Fee Income Per Member
profitability
Value: $268.03
Peer Avg: $174.31
#104 of 1077 Top 9.6% in 100M-500M tier
197
Net Worth Ratio
risk
Value: 14.47%
Peer Avg: 12.15%
#197 of 1077 Top 18.2% in 100M-500M tier
236
Loan Growth Rate
growth
Value: 8.22%
Peer Avg: 3.45%
#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (3 metrics)

890
Loan-to-Member Ratio (LMR)
engagement
Value: $6,431
Peer Avg: $10,245
#890 of 1077 Bottom 17.5% in 100M-500M tier
880
Average Member Relationship (AMR)
engagement
Value: $17,081
Peer Avg: $24,363
#880 of 1077 Bottom 18.4% in 100M-500M tier
837
Loan-to-Share Ratio
balance_sheet
Value: 60.39%
Peer Avg: 72.70%
#837 of 1077 Bottom 22.4% in 100M-500M tier