PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Acfcu

Amarillo, TX · Charter 5168

NCUA · 5 branches

Q2 2026

$319.0MAssets
$201.8MLoans
$296.7MShares
$27.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.56%, up 6 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 1.06% of loans (+2 bps YoY).
  • Capital: net worth / assets of 8.59%, up 17 bps from a year ago.
  • Funding: loans stand at 68.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+7 bps YoY

Efficiency Ratio (YTD, annualized)

84.37%+978 bps YoY

Net Worth / Assets

8.59%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.59%0.62%0.88%0.56%+6 bps
Return on Equity5.97%6.82%7.27%10.28%6.57%+60 bps
Net Interest Margin2.77%2.83%2.86%2.88%2.85%+7 bps
Efficiency Ratio74.59%75.70%75.37%76.10%84.37%+978 bps
Growth
Asset Growth (YoY)-6.97%5.09%5.24%3.70%3.94%+1,091 bps
Loan Growth (YoY)-11.45%-6.38%-2.78%-0.49%0.82%+1,227 bps
Share Growth (YoY)3.74%5.71%6.30%3.28%4.08%+34 bps
Asset Quality
Delinquent Loans / Loans1.04%0.75%0.57%0.94%1.06%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.42%8.64%8.57%8.57%8.59%+17 bps
Net Worth / Assets8.42%8.64%8.57%8.57%8.59%+17 bps
Liquidity & Funding
Loans / Shares70.20%72.09%70.81%68.28%68.01%-219 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps