Credit union · NCUA insured
Windthorst Federal Credit Union
A $100.1M credit union headquartered in Windthorst, TX, with 3,058 members and 1 branch in Texas. Best rates: CDs 4.18% APY.
Windthorst Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#4 of 13 in Wichita Falls, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Windthorst Federal Credit Union
- Headquarters
- 14205 W FM 174, Windthorst, TX 76389
- NCUA charter
- 16373
Branches
1 branch in Texas
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Texas
1 branch
- Main SiteMain office14205 W FM 174, Windthorst, TX 76389Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.19% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.04% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.14% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio12.19%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.04%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Windthorst Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.