Acu
Abilene, TX · Charter 67446 · Peer group: credit unions under $1B in assets in TX (n=233)
NCUA · 1 branch
Q4 2024
$6.2MAssets
$3.4MLoans
$4.7MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 82% of credit unions under $1B in assets in TX (rank 43 of 233).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets in TX (rank 196 of 233).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.05%
Rank 185 of 233
Net Interest Margin
3.00%
Rank 188 of 233
Efficiency Ratio
90.53%
Rank 173 of 233
Equity / Assets
21.28%
Rank 43 of 233
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.12% | 0.54% | 1.08% | Beats 21% | 185 / 233 | |
| Return on Equity | 0.23% | 0.84% | 3.92% | 7.05% | Beats 20% | 186 / 233 | |
| Net Interest Margin | 3.00% | 3.14% | 3.75% | 4.40% | Beats 19% | 188 / 233 | |
| Efficiency Ratio | 90.53% | 70.42% | 80.73% | 90.63% | Beats 26% | 173 / 233 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.61% | 0.30% | 0.63% | 1.22% | Beats 16% | 196 / 233 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.28% | 11.13% | 13.76% | 18.98% | Beats 82% | 43 / 233 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.28% | 11.13% | 13.76% | 18.98% | Beats 82% | 43 / 233 | |
| Liquidity & Funding |
| Loans / Deposits | 72.13% | 57.18% | 72.80% | 85.52% | 47th pctl | 123 / 233 | |
| Loans / Assets | 54.90% | 48.04% | 61.08% | 71.76% | 36th pctl | 148 / 233 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |