Wichita Falls Teachers Federal Credit Union Wichita Falls, Texas
Wichita Falls Teachers Federal Credit Union is a federal credit union headquartered in Wichita Falls, TX, established in 1937 (NCUA charter 2112), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,246 members and total assets of $115.6M (up 6.8% from Q2 2025), the 137th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 12.42% at Q2 2026, in the well capitalized band.
Also written as Wichita Falls Teachers 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
- 2112
- Headquarters
- Wichita Falls, TX
- Established
- 1937
- Total assets, Q2 2026
- $115.6M
- Assets vs Q2 2025
- +6.8%
- Members, Q2 2026
- 6,246
- Net worth ratio, Q2 2026
- 12.42%
- Latest call report
- Q2 2026, NCUA 5300 · Wichita Falls Teachers Federal Credit Union call report
- Asset rank in state
- 137th of 377 in Texas
- Routing number
- 311990388
- Branches
- 1
It has 91 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was up 0.13 percentage points from 12.29% on June 30, 2025. Used vehicle loans are its largest loan category, $21.2M of $56.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.42% net worth ratio is above that band's 11.43% median.
Frequently asked about Wichita Falls Teachers Federal Credit Union
How big is Wichita Falls Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $115.6M and 6,246 members.
Where is Wichita Falls Teachers Federal Credit Union headquartered?
It is headquartered in Wichita Falls, TX, United States.
When was Wichita Falls Teachers Federal Credit Union founded?
It was established in 1937, per NCUA records.
Is Wichita Falls Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2112): 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 Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Wichita Falls Teachers Federal Credit Union well capitalized?
Its net worth ratio was 12.42% 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 Teachers Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Wichita Falls Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 55.18% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Wichita Falls, TX 76310
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 2112
- RSSD ID
- 32775
- Members
- 6,246
- Potential members
- 16,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.42% | 11.43% | 62nd above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.09% | 0.81% | 67th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.79% | 7.02% | 66th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.60% | 3.70% | 44th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 70.69% | 76.55% | 69th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.06% | 1.24% | 64th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.31% | 0.68% | 81st top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.66% | 4.92% | 33rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 55.18% | 75.66% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$115.6M total assets against $108.2M; $102.3M total shares and deposits against $96.1M; $56.4M total loans against $55.2M.
$14.4M net worth against $13.3M.
12.42% net worth ratio against 12.29%.
55.18% loan-to-share ratio against 57.46%.
0.31% delinquency ratio against 0.59%.
1.09% return on assets against 0.33%; 8.79% return on equity against 2.64%.
3.60% net interest margin against 3.84%.
6,246 members against 6,337.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.42% | 1.09% | 0.31% | 55.18% |
| March 31, 2026 | 12.20% | 0.89% | 0.42% | 56.23% |
| December 31, 2025 | 12.37% | 0.95% | 0.74% | 56.30% |
| September 30, 2025 | 12.61% | 1.14% | 0.81% | 57.92% |
| June 30, 2025 | 12.29% | 0.33% | 0.59% | 57.46% |
| March 31, 2025 | 12.66% | -0.23% | 0.81% | 59.84% |
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.