ACCESS COMMUNITY
Charter #67178 · Amarillo, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.72% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 57th — a 23-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 | ACCESS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $206.53M | 53th pct | 34th pct |
| Members | 13,435 | 51th pct | 48th pct |
| Net worth ratio | 10.56% | 36th pct | 51th pct |
| Return on average assets | 0.47% | 34th pct | 36th pct |
| Net interest margin | 3.85% | 63th pct | 62th pct |
| Cost of funds | 0.72% | 27th pct | 13th pct |
| Loan-to-share | 109.81% | 99th pct | 90th pct |
| Delinquency 60+ days | 0.33% | 24th pct | 30th pct |
| Net charge-off ratio | 0.15% | 24th pct | 28th pct |
| Loan growth YoY | 3.81% | 80th pct | 57th pct |
| Share growth YoY | 3.46% | 50th pct | 36th pct |
| Efficiency ratio | 85.63% | 74th pct | 64th pct |
structural peer set hash: c2883c9f0aa8e2cec5af6079a5fa786c… (reproducible)
Closest structural peers
This is the free public view
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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.