Side-by-side · Q2 2026 data
Acfcu Federal Credit Union vs Amarillo Postal Employees Credit Union
Credit union
Amarillo Postal Employees Credit Union
Amarillo, Texas · Under $100 million in assets
Metric by metric
| Measure | Acfcu Federal Credit Union | Amarillo Postal Employees Credit Union |
|---|---|---|
| TellerScore | 57 | 77 (stronger) |
| Capital cushion | 36 | 78 (stronger) |
| Loan quality | 65 | 96 (stronger) |
| Earnings | 43 (stronger) | 22 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 80 | 99 (stronger) |
| Peer percentile | 14th | 57th |
| Total assets | $319.0M | $19.5M |
| Deposits / shares | $296.7M | $16.9M |
| Capital ratio | 8.59% | 12.75% (stronger) |
| Problem loans | 1.06% | 0.13% (stronger) |
| Net charge-offs | 0.33% | 0.12% (stronger) |
| Return on assets | 0.56% (stronger) | 0.06% |
| Loans ÷ deposits | 68.0% | 45.6% (stronger) |
| Uninsured deposits | 7.9% | 4.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.5% | — |
Amarillo Postal Employees Credit Union has the higher TellerScore (77 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Acfcu Federal Credit Union leads on 1 and Amarillo Postal Employees Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.