ACFCU

Amarillo, TX · 1 · Charter #5168 · www.acfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$309.2M
17th percentile
Members
28,297
50th percentile
Total loans
$205.9M
22th percentile
Total shares
$290.8M
27th percentile

Profitability

Return on assets
1.30%
72th percentile
Net interest margin
2.86%
18th percentile
Efficiency ratio
55.56%
66th percentile
Non-interest income ratio
33.91%
96th percentile

Capital & Risk

Net worth ratio
8.57%
11th percentile
Delinquency rate
0.57%
63th percentile
Net charge-off rate
0.71%
24th percentile
Loan-to-share
70.81%
28th percentile

Growth

Member growth YoY
-8.51%
3th percentile
Asset growth YoY
5.24%
51th percentile
Loan growth YoY
-2.78%
15th percentile
Share growth YoY
6.30%
65th percentile

Operations

Members / branch
5,659
69th percentile
Assets / member
$10,928
7th percentile
Field of membership penetration
35.37%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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