Anderson County

Palestine, TX · 1 · Charter #9880 · www.ancfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$26.7M
73th percentile
Members
2,273
73th percentile
Total loans
$8.4M
59th percentile
Total shares
$22.2M
72th percentile

Profitability

Return on assets
2.02%
91th percentile
Net interest margin
4.08%
54th percentile
Efficiency ratio
48.86%
84th percentile
Non-interest income ratio
9.82%
52th percentile

Capital & Risk

Net worth ratio
16.73%
60th percentile
Delinquency rate
1.10%
39th percentile
Net charge-off rate
0.42%
37th percentile
Loan-to-share
37.86%
19th percentile

Growth

Member growth YoY
3.18%
90th percentile
Asset growth YoY
8.51%
89th percentile
Loan growth YoY
7.32%
85th percentile
Share growth YoY
7.53%
86th percentile

Operations

Members / branch
758
36th percentile
Assets / member
$11,763
69th percentile
Field of membership penetration
11.37%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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