Access Community
Amarillo, TX · Charter 67178 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$210.9MAssets
$187.6MLoans
$160.7MShares
$22.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets in TX (rank 64 of 235).
- Widest gap: equity / assets trails 80% of credit unions under $1B in assets in TX (rank 188 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.68%
Rank 106 of 235
Net Interest Margin
3.82%
Rank 126 of 235
Efficiency Ratio
82.30%
Rank 122 of 235
Equity / Assets
10.55%
Rank 188 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.17% | 0.57% | 1.10% | Beats 55% | 106 / 235 | |
| Return on Equity | 6.42% | 1.03% | 4.30% | 7.58% | Beats 66% | 80 / 235 | |
| Net Interest Margin | 3.82% | 3.32% | 3.89% | 4.35% | Beats 46% | 126 / 235 | |
| Efficiency Ratio | 82.30% | 70.60% | 82.00% | 91.57% | Beats 49% | 122 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.20% | 0.59% | 1.14% | Beats 73% | 64 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.55% | 11.30% | 14.41% | 19.49% | Beats 20% | 188 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.55% | 11.30% | 14.41% | 19.49% | Beats 20% | 188 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 116.70% | 54.18% | 67.38% | 81.66% | 99th pctl | 3 / 235 | |
| Loans / Assets | 88.93% | 43.80% | 56.63% | 68.64% | 99th pctl | 2 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |