Acfcu Federal Credit Union
Total assets
$317.4M
▲ +3.7% YoY
Shares & deposits
$295.1M
▲ +3.3% YoY
Loans
$201.5M
▼ -0.5% YoY
Members
27,963
▼ -7.6% YoY
ROA (annualized)
0.88%
peers 0.69%
ROE (annualized)
10.28%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +3.9% | -0.2 pts |
| Share growth (YoY) | +3.3% | +3.3% | -0.0 pts |
| Loan growth (YoY) | -0.5% | +2.9% | -3.4 pts |
| ROA | 0.88% | 0.69% | +0.2 pts |
| ROE | 10.3% | 5.9% | +4.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
Profile
- Established
- 1945
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 2026, Amarillo, TX, 79105
- NCUA charter #
- 5168
- RSSD ID
- 903772
- 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 | $317.4M | $295.1M | $201.5M | $27.2M | $700K | 0.88% | 2.88% | 0.94% | 27,963 |
| Q4 2025 | $309.2M | $290.8M | $205.9M | $26.5M | $1.9M | 0.62% | 2.86% | 0.57% | 28,297 |
| Q3 2025 | $305.9M | $285.4M | $205.7M | $26.4M | $1.4M | 0.59% | 2.83% | 0.75% | 28,820 |
| Q2 2025 | $306.9M | $285.1M | $200.1M | $25.9M | $772K | 0.50% | 2.77% | 1.04% | 29,447 |
| Q1 2025 | $306.1M | $285.8M | $202.5M | $25.2M | $93K | 0.12% | 2.73% | 0.83% | 30,272 |
| Q4 2024 | $293.8M | $273.6M | $211.8M | $25.1M | $-1.8M | -0.61% | 2.47% | 0.76% | 30,930 |
| Q3 2024 | $291.1M | $269.9M | $219.7M | $25.1M | $-2.3M | -1.05% | 2.38% | 0.32% | 27,441 |
| Q2 2024 | $329.9M | $274.8M | $226.0M | $26.2M | $-1.2M | -0.72% | 1.95% | 0.41% | 28,034 |
Loan mix (Q1 2026): real estate $83.2M · commercial $3.5M · consumer $111.4M · securities $39.9M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.62% | 11th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 78.7% | 41th | |
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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