Acfcu
Amarillo, TX · Charter 5168 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$319.0MAssets
$201.8MLoans
$296.7MShares
$27.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 67% of credit unions under $1B in assets in TX (rank 77 of 235).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets in TX (rank 224 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.56%
Rank 119 of 235
Net Interest Margin
2.85%
Rank 217 of 235
Efficiency Ratio
84.37%
Rank 138 of 235
Equity / Assets
8.59%
Rank 224 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.17% | 0.57% | 1.10% | Beats 49% | 119 / 235 | |
| Return on Equity | 6.57% | 1.03% | 4.30% | 7.58% | Beats 67% | 77 / 235 | |
| Net Interest Margin | 2.85% | 3.32% | 3.89% | 4.35% | Beats 8% | 217 / 235 | |
| Efficiency Ratio | 84.37% | 70.60% | 82.00% | 91.57% | Beats 42% | 138 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.20% | 0.59% | 1.14% | Beats 27% | 173 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.59% | 11.30% | 14.41% | 19.49% | Beats 5% | 224 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.59% | 11.30% | 14.41% | 19.49% | Beats 5% | 224 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 68.01% | 54.18% | 67.38% | 81.66% | 50th pctl | 117 / 235 | |
| Loans / Assets | 63.25% | 43.80% | 56.63% | 68.64% | 65th pctl | 83 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |