Federal credit union · Amarillo, Texas · NCUA charter #5168
ACFCU
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $309.2M
- Total assets
- 28,297
- Members
- 8.6%
- Net-worth ratio
ACFCU scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $309.2M; members 28,297; net-worth ratio 8.57%; health rank #3,838 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,838 of 4,374 health · 2025Q4ACFCU · health 66/100 · $309.2M · 2025Q4
Call Report peers
ACFCU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACFCU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ACFCU sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where ACFCU diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.57% vs peer 0.89% (-0.32 pp).
- Net Worth Ratio trails the peer set - 8.57% here, 12.11% peer average (-3.54 pp).
ACFCU in Texas
- Health composite ranks #333 of 386 among scored Texas credit unions.
- Texas assets place: #84 of 386.
- Member book place in Texas: #69 of 386.
- One place up in Texas, Gulf Shore (#332) ties at 66/100; one place down, South Texas (#334) ties at 66/100.
How ACFCU's 5300 filing moved
ACFCU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $309.2M (2025Q4) to $317.4M (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.57% → 8.57%).
At 8.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
ACFCU gives up 34 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 24.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
ACFCU vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.57% | -3.54 pp |
| Delinquency Rate | 0.57% | -0.32 pp |
| Return on Assets | -0.58% | -1.20 pp |
| Member Growth | -8.51% | - |
| Loan-to-Share Ratio | 70.81% | -1.39 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ACFCU filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $317.4M | - |
| 2025Q4 | $309.2M | 28,297 |
| 2024Q4 | $293.8M | 30,930 |
| 2023Q4 | $346.9M | 29,001 |
Credit Union Details
- Charter Number
- 5168
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Amarillo
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, ACFCU runs 5 offices in 2 different cities.
| Office | City |
|---|---|
| ACFCU (Main Office) | Amarillo, TX |
| Ross Branch/ACFCU | Amarillo, TX |
| Grand | Amarillo, TX |
| Western | Amarillo, TX |
| Pampa | Pampa, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near ACFCU
Using this data
- ACFCU ranks #3,838 of 4,374 nationally on financial health and #333 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texoma Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texoma Community
Frequently Asked Questions
Is ACFCU financially healthy?
On its 2025Q4 NCUA 5300 filing, ACFCU scores 66/100 (Good), with a 8.57% net worth ratio and 0.57% of loans delinquent. It ranks #3,838 of 4,374 nationally on health and #333 of 386 in Texas.
How does ACFCU compare to other credit unions?
ACFCU scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.57% vs 0.89%). Its widest shortfall is net worth ratio (8.57% vs 12.11%).
How can I join ACFCU?
ACFCU operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ACFCU directly for the exact boundaries and application steps.
Is my money safe at ACFCU?
ACFCU is a federal credit union; its shares are federally 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. ACFCU's net worth ratio of 8.57% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.