Angelina County Teachers

LUFKIN, TX · 2 · Charter #67440 · www.actcu.net
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
$12.8M
48th percentile
Members
1,855
62th percentile
Total loans
$4.5M
41th percentile
Total shares
$10.5M
49th percentile

Profitability

Return on assets
1.82%
87th percentile
Net interest margin
4.97%
82th percentile
Efficiency ratio
64.02%
56th percentile
Non-interest income ratio
7.25%
43th percentile

Capital & Risk

Net worth ratio
17.36%
63th percentile
Delinquency rate
0.08%
79th percentile
Net charge-off rate
0.07%
65th percentile
Loan-to-share
42.40%
24th percentile

Growth

Member growth YoY
0.49%
73th percentile
Asset growth YoY
0.67%
46th percentile
Loan growth YoY
-2.68%
51th percentile
Share growth YoY
-1.42%
38th percentile

Operations

Members / branch
1,855
75th percentile
Assets / member
$6,880
29th percentile
Field of membership penetration
50.00%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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