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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,115 of 4,374 health · 2025Q4Wichita Falls · health 84/100 · $33.1M · 2025Q4
- RANK 84/100
- PHOTO 11.9%
- BOOK 0.35%
- CHARTER -0.90%
- NCUSIF $33.1M
- CAMELS 2,757
- HEALTH #2,115/4,374
- NW Jessop Community
- DELQ 6317
Call Report peers
Wichita Falls in the assets neighbourhood
Wichita Falls's $33.1M assets sit next to Jessop Community ($33.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Wichita Falls - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6317: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Wichita Falls
Wichita Falls: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.5% from $33.1M (2025Q4) to $34.9M (2026Q1).
- Net-worth ratio shifted -0.52 pp (12.44% → 11.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Wichita Falls's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Wichita Falls financially healthy?
A 11.92% net worth ratio and a 0.35% delinquency rate feed into Wichita Falls's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,115 of 4,374; by total assets it ranks #2,776 of 4,374 nationally (same basis as /rankings/largest); and #220 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Wichita Falls compare to other credit unions?
84/100 is Wichita Falls's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Wichita Falls are 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."
What rates does Wichita Falls offer compared to banks?
Credit unions like Wichita Falls are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Wichita Falls directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.