Access Community Credit Union is a federally insured state-chartered credit union headquartered in Amarillo, Texas, in business for about 73 years. At the end of Q2 2026 it reported $210.9M in total assets and $160.7M in member shares and deposits, with 4 offices.
Access Community Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 247th. Problem-loan coverage contributes the most (95/100, 2.6%); earnings contributes the least (47/100, 0.68%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (60 → 66), mostly because the earnings component improved by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 61 |
| Q4 2024 | 60 |
| Q1 2025 | 55 |
| Q2 2025 | 60 |
| Q3 2025 | 59 |
| Q4 2025 | 61 |
| Q1 2026 | 64 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.81% |
| Q3 2024 | 10.97% |
| Q4 2024 | 10.89% |
| Q1 2025 | 10.74% |
| Q2 2025 | 10.83% |
| Q3 2025 | 10.82% |
| Q4 2025 | 10.86% |
| Q1 2026 | 10.56% |
| Q2 2026 | 10.55% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.06% |
| Q1 2025 | -0.43% |
| Q2 2025 | -0.24% |
| Q3 2025 | -0.11% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $210.9M | 10.55% | 0.27% | 0.68% | 116.7% |
| Q1 2026 | 64 | $206.5M | 10.56% | 0.33% | 0.46% | 109.8% |
| Q4 2025 | 61 | $200.7M | 10.86% | 0.43% | 0.09% | 110.7% |
| Q3 2025 | 59 | $196.8M | 10.82% | 0.39% | -0.11% | 109.4% |
| Q2 2025 | 60 | $195.3M | 10.83% | 0.34% | -0.24% | 100.3% |
| Q1 2025 | 55 | $197.2M | 10.74% | 0.70% | -0.43% | 98.2% |
| Q4 2024 | 60 | $196.5M | 10.89% | 0.64% | 0.06% | 99.5% |
| Q3 2024 | 61 | $194.4M | 10.97% | 0.50% | 0.03% | 100.8% |
| Q2 2024 | 59 | $196.8M | 10.81% | 0.61% | 0.00% | 100.1% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Choice of Central Texas Federal Credit UnionCredit union Waco, TX | 88 out of 100, Very strong | $212.9M | 16.3% | 0.06% | vs |
| Beacon Federal Credit UnionCredit union La Porte, TX | 63 out of 100, Moderate | $214.7M | 8.7% | 0.41% | vs |
| Santa Fe Federal Credit UnionCredit union Amarillo, TX | 73 out of 100, Strong | $214.8M | 12.9% | 0.48% | vs |
| H E B Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $218.2M | 18.3% | 0.19% | vs |
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Texasgulf Federal Credit UnionCredit union Wharton, TX | 81 out of 100, Strong | $220.5M | 14.3% | 0.61% | vs |
Deposit insurance
Is my money safe at Access Community Credit Union?
Yes. Access Community Credit Union is a federally insured credit union (NCUA charter #67178). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 8.5% of shares and deposits ($13.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.55%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Access Community Credit Union lists 4 offices in 1 city. Most locations:
- Amarillo, TX (4)
HMDA 2025
Mortgage lending
In 2025, Access Community Credit Union reported 216 home-loan applications under HMDA (LEI 549300ZLEJNF277L8Q40): 190 originated ($36,930,000 total), 14 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Access Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67178
- RSSD ID
- 556990
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- PO Box 7407, Amarillo, TX 79114
- Employees
- 60
Quick answers
Access Community Credit Union: common questions
Is Access Community Credit Union NCUA insured?
Yes. Access Community Credit Union is a federally insured credit union (NCUA charter #67178). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Access Community Credit Union's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Access Community Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Amarillo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank19Bank Memphis, TX | 90 out of 100, Very strong | $147.8M | 15.3% | 0.00% | vs |
| First National Bank of HerefordBank Hereford, TX | 84 out of 100, Strong | $344.6M | 12.3% | 0.05% | vs |
| Citizens BankBank Amarillo, TX | 82 out of 100, Strong | $309.8M | 10.1% | 0.01% | vs |
| BOC BankBank Mclean, TX | 81 out of 100, Strong | $203.4M | 12.4% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Amarillo Postal Employees Credit UnionCredit union Amarillo, TX | 77 out of 100, Strong | $19.5M | 12.8% | 0.13% | vs |