TellerScore

Headquartered in Amarillo, Texas, Acfcu Federal Credit Union is a federal credit union with $319.0M in total assets and $296.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1945.

Based on its Q2 2026 filing, Acfcu Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 319th. Its strongest component is funding & liquidity (92/100; 68% loans-to-deposits, 8% uninsured), and its lowest is capital cushion (36/100; 8.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.59%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.06%
Earnings43/100
Return on assets (annualized): 0.56%
Funding & liquidity92/100
Loans ÷ shares: 68.0% · 7.9% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.93%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 57).

TellerScore
505662Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202454
Q4 202450
Q1 202554
Q2 202556
Q3 202560
Q4 202562
Q1 202661
Q2 202657
Net worth ratio
7.00%7.82%8.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.92%
Q3 20248.60%
Q4 20248.52%
Q1 20258.21%
Q2 20258.41%
Q3 20258.63%
Q4 20258.57%
Q1 20268.57%
Q2 20268.59%
Delinquent loans (60+ days)
0.32%0.69%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.32%
Q4 20240.76%
Q1 20250.83%
Q2 20251.04%
Q3 20250.75%
Q4 20250.57%
Q1 20260.94%
Q2 20261.06%
Return on assets
-1.05%-0.08%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.72%
Q3 2024-1.05%
Q4 2024-0.61%
Q1 20250.12%
Q2 20250.50%
Q3 20250.59%
Q4 20250.62%
Q1 20260.88%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$319.0M8.59%1.06%0.56%68.0%
Q1 202661$317.4M8.57%0.94%0.88%68.3%
Q4 202562$309.2M8.57%0.57%0.62%70.8%
Q3 202560$305.9M8.63%0.75%0.59%72.1%
Q2 202556$306.9M8.41%1.04%0.50%70.2%
Q1 202554$306.1M8.21%0.83%0.12%70.9%
Q4 202450$293.8M8.52%0.76%-0.61%77.4%
Q3 202454$291.1M8.60%0.32%-1.05%81.4%
Q2 202451$329.9M7.92%0.41%-0.72%82.2%

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).

Capital ratio8.59%
8th
Problem loans1.06%
27th
Net charge-offs0.33%
54th
Return on assets0.56%
36th
Loans to deposits68.0%
65th
Uninsured deposits7.9%
30th
Loan-loss reserves0.00%
50th
Texas ratio9.9%
14th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Evolve Federal Credit UnionCredit union El Paso, TX70 out of 100, Strong$323.2M10.8%0.04%vs
Texoma Community Credit UnionCredit union Wichita Falls, TX63 out of 100, Moderate$325.5M11.2%0.70%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
First Basin Credit UnionCredit union Odessa, TX75 out of 100, Strong$343.2M11.5%0.29%vs
Gulf Credit UnionCredit union Groves, TX68 out of 100, Moderate$348.6M10.0%0.45%vs

Deposit insurance

Is my money safe at Acfcu Federal Credit Union?

Yes. Acfcu Federal Credit Union is a federally insured credit union (NCUA charter #5168). 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 7.9% of shares and deposits ($23.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.59%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Acfcu Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Acfcu Federal Credit Union reported 121 home-loan applications under HMDA (LEI 549300P6CCUZE02WB068): 91 originated ($6,025,000 total), 22 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.5%, 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
Acfcu Federal Credit Union
Type
Federal credit union
NCUA charter #
5168
RSSD ID
903772
Primary regulator
NCUA
Established
1945
Headquarters
PO Box 2026, Amarillo, TX 79105
Employees
94

Quick answers

Acfcu Federal Credit Union: common questions

Is Acfcu Federal Credit Union NCUA insured?

Yes. Acfcu Federal Credit Union is a federally insured credit union (NCUA charter #5168). 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 Acfcu Federal Credit Union's TellerScore?

57 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 Acfcu Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Amarillo

InstitutionScoreAssetsCapitalProblem loansCompare
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
Citizens BankBank Amarillo, TX82 out of 100, Strong$309.8M10.1%0.01%vs
BOC BankBank Mclean, TX81 out of 100, Strong$203.4M12.4%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Amarillo Postal Employees Credit UnionCredit union Amarillo, TX77 out of 100, Strong$19.5M12.8%0.13%vs