Wichita Falls Federal Credit Union Wichita Falls, Texas
Wichita Falls Federal Credit Union is a federal credit union headquartered in Wichita Falls, TX, established in 1949 (NCUA charter 6317), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,806 members and total assets of $36.1M (up 12.5% from Q2 2025), the 211th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 11.83% at Q2 2026, in the well capitalized band.
Also written as Wichita Falls FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6317
- Headquarters
- Wichita Falls, TX
- Established
- 1949
- Total assets, Q2 2026
- $36.1M
- Assets vs Q2 2025
- +12.5%
- Members, Q2 2026
- 2,806
- Net worth ratio, Q2 2026
- 11.83%
- Latest call report
- Q2 2026, NCUA 5300 · Wichita Falls Federal Credit Union call report
- Asset rank in state
- 211th of 377 in Texas
- Routing number
- 311990375
- Branches
- 2
It has 113 more members than on June 30, 2025 (+4.2%). Its net worth ratio was down 0.03 percentage points from 11.86% on June 30, 2025. Used vehicle loans are its largest loan category, $8.9M of $21.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.83% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Wichita Falls Federal Credit Union
How big is Wichita Falls Federal Credit Union?
At Q2 2026 it reported total assets of $36.1M and 2,806 members.
Where is Wichita Falls Federal Credit Union headquartered?
It is headquartered in Wichita Falls, TX, United States.
When was Wichita Falls Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is Wichita Falls Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6317): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Wichita Falls Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Wichita Falls Federal Credit Union well capitalized?
Its net worth ratio was 11.83% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Wichita Falls Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Wichita Falls Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.09% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Wichita Falls, TX 76301
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 6317
- RSSD ID
- 724986
- Members
- 2,806
- Potential members
- 3,875
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.83% | 14.31% | 30th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.09% | 0.72% | 66th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.18% | 4.74% | 77th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.10% | 3.93% | 88th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 76.32% | 79.83% | 57th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.96% | 0.78% | 40th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.32% | 0.86% | 77th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.06% | 4.70% | 89th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 69.09% | 58.92% | 65th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$36.1M total assets against $32.1M; $31.4M total shares and deposits against $28.0M; $21.7M total loans against $20.3M.
$4.3M net worth against $3.8M.
11.83% net worth ratio against 11.86%.
69.09% loan-to-share ratio against 72.48%.
0.32% delinquency ratio against 0.18%.
1.09% return on assets against 0.35%; 9.18% return on equity against 2.96%.
5.10% net interest margin against 5.05%.
2,806 members against 2,693.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.83% | 1.09% | 0.32% | 69.09% |
| March 31, 2026 | 11.92% | 0.52% | 0.00% | 68.96% |
| December 31, 2025 | 12.44% | 1.60% | 0.35% | 71.54% |
| September 30, 2025 | 11.69% | 2.20% | 0.12% | 68.51% |
| June 30, 2025 | 11.86% | 0.35% | 0.18% | 72.48% |
| March 31, 2025 | 12.09% | -0.18% | 0.34% | 72.57% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.