Federal credit union · Wichita Falls, Texas · NCUA charter #6317
Wichita Falls
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $33.1M
- Total assets
- 2,757
- Members
- 11.9%
- Net-worth ratio
Wichita Falls scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.1M; members 2,757; net-worth ratio 11.92%; health rank #2,115 of 4,374; healthier than 50th of scored peers.
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NCUA 5300 Call Report Masthead
#2,115 of 4,374 health · 2025Q4Wichita Falls · health 84/100 · $33.1M · 2025Q4
Call Report peers
Wichita Falls in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wichita Falls vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Wichita Falls sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Wichita Falls: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +11.74 pp (71.54% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -2.94 pp (11.92% vs 14.86%).
Wichita Falls: in-state Call Report ranks
- In Texas, health place is #191 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #220 of 386 inside Texas ($33.1M reported).
- Membership ranks #226 of 386 among Texas CUs with a reported count (2,757 members).
- One place up in Texas, YANTIS (#190) ties at 84/100; one place down, COSDEN (#192) ties at 84/100.
Quarter path for Wichita Falls
Wichita Falls: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.5% from $33.1M (2025Q4) to $34.9M (2026Q1).
- Net-worth ratio shifted -0.52 pp (12.44% → 11.92%).
11.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Wichita Falls gives up 16 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 14.9 pts
Wichita Falls vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.92% | -2.94 pp |
| Delinquency Rate | 0.35% | -0.79 pp |
| Return on Assets | -0.90% | -1.61 pp |
| Member Growth | 4.27% | - |
| Loan-to-Share Ratio | 71.54% | +11.74 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Wichita Falls quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.9M | - |
| 2025Q4 | $33.1M | 2,757 |
| 2024Q4 | $29.6M | 2,644 |
| 2023Q4 | $30.1M | 2,577 |
Credit Union Details
- Charter Number
- 6317
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Wichita Falls
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Wichita Falls runs 2 offices.
| Office | City |
|---|---|
| WFFCU - McNiel (Main Office) | Wichita Falls, TX |
| WFFCU - Seymour | Wichita Falls, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Wichita Falls ranks #2,115 of 4,374 nationally on financial health and #191 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northeast Texas Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northeast Texas Teachers
Frequently Asked Questions
Is Wichita Falls financially healthy?
Wichita Falls has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,115 of 4,374 nationally on health and #191 of 386 in Texas. Its net worth ratio is 11.92% and its delinquency rate 0.35%.
How does Wichita Falls compare to other credit unions?
Wichita Falls scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (71.54% vs 59.80%). Its widest shortfall is net worth ratio (11.92% vs 14.86%).
How can I join Wichita Falls?
Wichita Falls serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Wichita Falls directly for the current list of qualifying groups.
Is my money safe at Wichita Falls?
Wichita Falls is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Wichita Falls's net worth ratio of 11.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.