State credit union · Amarillo, Texas · NCUA charter #67178
Access Community
Health score 53/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $200.7M
- Total assets
- 13,343
- Members
- 1.4%
- Net-worth ratio
Access Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67178. See our deposit-insurance coverage note.
Access Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)12
- Asset quality (delinquency)100
- Earnings (ROA)48
- Member growth74
- Liquidity (loan-to-share)43
Weighted composite: 53/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
1.43% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.43% | 30% |
| Delinquency Rate | 0.43% | 25% |
| Return on Assets | 0.06% | 15% |
| Member Growth | 1.71% | 15% |
| Loan-to-Share Ratio | 110.72% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $200.7M | 13,343 |
| 2024Q4 | $196.5M | 13,119 |
| 2023Q4 | $194.8M | 12,719 |
Credit Union Details
- Charter Number
- 67178
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Amarillo
- Data Quarter
- 2025Q4
What This Data Says About Access Community
The five-factor composite scores Access Community at 53/100 (Fair), reflecting a net worth ratio of 1.43% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Amarillo, Texas, reports 13,343 members, $200.7M in total assets, and $174.3M in outstanding loans as of Q4 2025 under charter #67178 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.43% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 110.72% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.06% on net income of $119K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.71%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Access Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Access Community carries a financial health score of 53/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 1.43% net worth ratio and a 0.43% delinquency rate.
How does Access Community compare to other credit unions?
On PlainCU's health composite, Access Community lands at 53/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Access Community?
Membership eligibility for Access Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Access Community directly for current membership requirements and application steps.
Is my money safe at Access Community?
Federal credit unions like Access Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Access Community's net worth ratio of 1.43% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Access Community offer compared to banks?
Credit unions like Access Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Access Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.