ACFCU
Charter #5168 · Amarillo, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,963 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.57% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.92% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.87% sits at the 82nd percentile of structural peers — worth a closer look.
- On Share growth YoY, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 31st — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ACFCU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $317.40M | 76th pct | 75th pct |
| Members | 27,963 | 92th pct | 90th pct |
| Net worth ratio | 8.57% | 9th pct | 2th pct |
| Return on average assets | 0.89% | 63th pct | 64th pct |
| Net interest margin | 2.92% | 11th pct | 8th pct |
| Cost of funds | 1.87% | 84th pct | 82th pct |
| Loan-to-share | 68.28% | 42th pct | 33th pct |
| Delinquency 60+ days | 0.94% | 74th pct | 72th pct |
| Net charge-off ratio | 0.55% | 69th pct | 56th pct |
| Loan growth YoY | -2.03% | 24th pct | 15th pct |
| Share growth YoY | 3.43% | 49th pct | 31th pct |
| Efficiency ratio | 76.10% | 41th pct | 41th pct |
structural peer set hash: 245be9799c01d30b791b0f28f43ce775… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.