Abilene Teachers Federal Credit Union
Total assets
$681.6M
▲ +7.7% YoY
Shares & deposits
$543.4M
▲ +6.2% YoY
Loans
$407.4M
▲ +3.1% YoY
Members
56,716
▲ +2.3% YoY
ROA (annualized)
1.89%
peers 0.62%
ROE (annualized)
10.37%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.8% | +2.9 pts |
| Share growth (YoY) | +6.2% | +4.3% | +1.9 pts |
| Loan growth (YoY) | +3.1% | +4.3% | -1.2 pts |
| ROA | 1.89% | 0.62% | +1.3 pts |
| ROE | 10.4% | 5.9% | +4.5 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 5706, Abilene, TX, 79608
- NCUA charter #
- 6743
- RSSD ID
- 877284
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $681.6M | $543.4M | $407.4M | $124.3M | $3.2M | 1.89% | 4.17% | 0.12% | 56,716 |
| Q4 2025 | $665.5M | $533.3M | $407.1M | $121.1M | $10.9M | 1.63% | 4.00% | 0.30% | 56,285 |
| Q3 2025 | $650.5M | $520.4M | $402.3M | $118.4M | $8.2M | 1.69% | 4.02% | 0.28% | 56,059 |
| Q2 2025 | $639.0M | $514.3M | $401.7M | $115.2M | $5.0M | 1.56% | 4.01% | 0.30% | 55,772 |
| Q1 2025 | $632.9M | $511.6M | $395.0M | $112.0M | $1.8M | 1.12% | 3.97% | 0.17% | 55,458 |
| Q4 2024 | $618.0M | $498.6M | $392.2M | $110.2M | $8.1M | 1.31% | 3.72% | 0.46% | 54,947 |
| Q3 2024 | $615.2M | $496.9M | $387.8M | $107.6M | $5.5M | 1.18% | 3.68% | 0.49% | 54,744 |
| Q2 2024 | $607.0M | $488.5M | $379.6M | $105.3M | $3.2M | 1.04% | 3.71% | 0.48% | 54,501 |
Loan mix (Q1 2026): real estate $76.5M · commercial $0 · consumer $315.3M · securities $129.6M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.62% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.48% | 90th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 78.3% | 23th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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