# ACFCU
Amarillo, TX · NCUA charter 5168 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/acfcu-5168

Who the members are: federal charter, community charter, organized 1945, low-income designated. 27,963 members of 80,000 potential (35.0% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $317.4M |
| Members | 27,963 (-7.6% YoY) |
| Full-time staff | 92 |
| Net worth | $27.2M |
| Net worth ratio | 8.6% (p8 of band) |
| ROA (annualized) | 0.88% (p63 of band) |
| Total delinquency | 0.94% (p76 of band) |
| Net charge-offs (annualized) | 0.56% (p68 of band) |
| Loans / shares | 68% (p37 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.88% (p12 of band) |
| Operating expense / assets | 3.63% (p46 of band) |
| Vehicles % of loans | 51% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 212% (p82 of band) |
| Vehicle delinquency | 0.52% (p48 of band) |
| Vehicle NCO | 0.76% (p57 of band) |
| Repossessed % of vehicle book | 0.33% (p91 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 37% |
| Average share balance | $7,030 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $24.6M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $12,640 |
| Loans granted, annualized | $47.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $24.6M outstanding purchased (90.5% of net worth), $305,837 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | thin capital |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | thin capital, net worth falling |  |
| 2018-06 | 2 |  | thin capital, net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | losing money |  |
| 2019-06 | 4 | thin capital, net worth falling | losing money |
| 2019-09 | 2 |  | thin capital, net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 5 | thin capital, delinquency rising |  |
| 2020-09 | 3 |  | net worth falling, delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | net worth falling, leaning on borrowings |  |
| 2022-06 | 7 | delinquency rising, members leaving |  |
| 2022-09 | 6 |  | delinquency rising |
| 2022-12 | 5 |  | net worth falling |
| 2023-03 | 6 | delinquency rising |  |
| 2023-06 | 5 |  | members leaving |
| 2023-09 | 5 | members leaving | delinquency rising |
| 2023-12 | 7 | delinquency rising, loan book shrinking |  |
| 2024-03 | 8 | assets shrinking |  |
| 2024-06 | 8 | losing money | delinquency rising |
| 2024-09 | 7 | delinquency rising | auto monoline, leaning on borrowings |
| 2024-12 | 6 |  | members leaving |
| 2025-03 | 6 | net worth falling | losing money |
| 2025-06 | 5 |  | net worth falling |
| 2025-09 | 3 |  | loan book shrinking, assets shrinking |
| 2025-12 | 3 | members leaving | delinquency rising |
| 2026-03 | 4 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-12-18 [Court documents: Amarillo woman used as ‘money mule’ in money laundering scheme - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2026-09-09 [2026 CU Times Luminaries Finalists: Credit Unions Reinvent the Branch Experience - CUTimes](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMTk4ZUJEUzhaUzZKcW1xZ0xVVUtsTDFDTWpxbUs0aFUtQVJpLV9oSm1lZXlFWFJKS2Uxc0V0NU8zbXh4NlBZS0hfdWRiMFI2dGtFSlZrdVFnUURmblRsMXNud0pneEhVWkVWQXM5dmhFSTFsVmR1TDlsMmNzRHljRURqZk92UDQzeTM0bnUxbWhPU2NJLUxYcGhrUE9zWXF4SWlKQWVIVQ?oc=5) · CUTimes
- 2020-04-27 [Amarillo Area Chapter of Credit Unions donating $11 million to Snack Pak 4 Kids - abc7amarillo.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPLUZzWGFGcFFBOHh0Q3RCZmVzTmoyRzBPUnZyZ1BoQjhyalJqSmtsbXV3M3A0RW9MUFUybldtUHFvNVlGWXp4VVVCaGlINFZjREhiT3dnZjhrSnNES2VRaWdnYlZNb1dJZU82ekF6ZDhkX3l1U2k5MU5ESHQ2M2RPb09zcWdGdllaTkEycC1mT2JQMk9sWnh2MHBKb1Vuei1JeDc0MlJhTHdWUWY5c05XZU9pTjQ?oc=5) · abc7amarillo.com
- 2026-08-04 [SkyRite Sign Co. wins awards for Amarillo credit union sign - Amarillo Globe-News](https://news.google.com/rss/articles/CBMizgFBVV95cUxQX00yWGtMcVhRZWU0QjV5R2NWMGVlU2Mxd0djU3p6SXk2YWNSQnh0dU1RZ2t0cVlBTkZhN2dzVm0yWFpia2tsOGZkT0J2S0lGdUhXWTZjOHU2Zy10QUJSVXd6YTBFR0IxS3V1Q2lCTFlzdUt5TEhxRUxoWjVhanNNRDhJaGtfZnpsMEVzUHJQaHdHSkVOZTZXX0trV0g0TUdIRWxobWpMQVJaTmx4N3dsY2JEaWp2RWZZQ0EtNmMxSG93bmhCcXBtdUY2RTdnZw?oc=5) · Amarillo Globe-News
- 2026-09-03 [CU Times Announces 2026 Luminaries Awards Finalists - CUTimes](https://news.google.com/rss/articles/CBMikAFBVV95cUxQdDZuRDhDQ0Z3N3JkQ3NFMF9BTnlnRmFDaGozLW9leWRsem1YWHpNOWZwYy1QXzA4UjhBbkZubmUwRlNSbm96dHdzQzhiS1h6VnllOVBfWDZYcTJHRjhrdHg5SkpUOXdSeWd1c3A2WUZXMEV0QWY4VnZXM2FMS19fQmpmak1sOF9pUnFGQWdHbm8?oc=5) · CUTimes
- 2020-04-28 [Amarillo area credit unions pledge $11,000 donation to Snack Pak 4 Kids - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMiogFBVV95cUxNTm4xQXIxR2R1dlc0aGlwanJlRW1HeFhlTmhuRE5xbWN0bmJjOVlUNXFMTVpZaFA4UFBHX1RLY013Mm1vM0NEdURET2pqZWdkTHpHUkgtRUJKdzN2c2Q1UzZtS0NzNnRFSklfX0xuaDduTmNVbTFSeGo0dnpVTktaZjhqWndMc2hFSHVvSFlCQ25laXkzVkF4X2NXWDFOSTM3M0HSAbYBQVVfeXFMTkhLVWhOQUlUTEppRzZhZmQxbmtmLU1fS3JTaFRQdDZUMFZ3X2U4SmhvSG5Wc21XQmhSeEduMG9uY2Q1alcxdXM2QjN5a2xheG9HdTZGNnd1azQ5Y1hwQzZlUDRiWnVxU2k1S2g0dlB4SXdhY0s0Vm1qNHRwNElYaHRCZjhzd0x0Q25KVWVFbDBibFNYbmc2VVNZcm5yamlUSEdZR3gzZzEta3Byc2xaWlY5eGNBY1E?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5168 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/48.json (key "5168", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5168
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide