# ACCESS COMMUNITY
Amarillo, TX · NCUA charter 67178 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/access-community-67178

Who the members are: state charter, organized 1953, low-income designated. 13,435 members of 80,000 potential (16.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $206.5M |
| Members | 13,435 (1.8% YoY) |
| Full-time staff | 54 |
| Net worth | $21.8M |
| Net worth ratio | 10.6% (p39 of band) |
| ROA (annualized) | 0.46% (p33 of band) |
| Total delinquency | 0.33% (p24 of band) |
| Net charge-offs (annualized) | 0.15% (p21 of band) |
| Loans / shares | 110% (p99 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 10.17% |
| Net interest margin | 3.79% (p67 of band) |
| Operating expense / assets | 4.37% (p78 of band) |
| Vehicles % of loans | 27% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.22% (p19 of band) |
| Vehicle NCO | 0.12% (p14 of band) |
| Repossessed % of vehicle book | 0.01% (p53 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 109% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 41% |
| Average share balance | $7,294 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.8M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $21,145 |
| Loans granted, annualized | $81.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.8M outstanding purchased (8.2% of net worth), $4.7M sold and retained. Sold in 1 and bought in 4 of the last 8 quarters. Shares 1.1% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 1 |  | losing money |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 2 | delinquency rising | loans>95% of shares |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | net worth falling, loans>95% of shares |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 2 |  | auto monoline |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | leaning on borrowings |  |
| 2021-03 | 4 | net worth falling, expense trap |  |
| 2021-06 | 2 |  | leaning on borrowings, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | loans>95% of shares, expense trap |
| 2022-06 | 2 | expense trap, loans>95% of shares |  |
| 2022-09 | 3 | delinquency rising, leaning on borrowings | expense trap |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 3 |  | losing money |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | net worth falling, losing money |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | losing money |
| 2026-03 | 2 |  |  |

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

- 2026-07-29 [Financial Leadership Summit Set for Aug. 25 at WT Enterprise Center - West Texas A&M University | WTAMU](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNV0lTd0I3NHZIMElIX1dEdFpRbjFGU1NjMHlSWi04NEE1VVMzMnRHa2NkVDlsUnlIMzJBTmRSSUlzWTFGNUdoSFJmNF9NYzVmWnRrQVlEamxVS1JWLVdPa0czRkpOWmRLb04taDVsYjJKbGRyckVXRVlNVXNLZEEzWHl2Y2JKWXdfUUJWdFRxcVlOaUhuTGFlRHhYSGl5czFfQ3pwQ1M0YlJOQQ?oc=5) · West Texas A&M University | WTAMU
- 2023-09-29 [Amarillo police looking for bank robbery suspect - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTEhXQ2pZbGhPOTV0NzFlQXNqNmVhOEI2VjlYYWRlWVduVi1TUUV4aWZzVnBaTVdZY2ZhdDBlR0xrNWxJbDlqVko3dFFJS3p4djhMenVsSDhHWmdCX3Y0NWRlNVl5eDBjUldtYmV6eW51aUhfUm1TZXhRLVlzSC02VWRpc0dDYkNzT2x6TGRmd9IBowFBVV95cUxPcTJ6WUpoTWRrMzJsWVI5RnBJYlhJLWFoc1BjbXFEN1ZRQWxVWkR4alBidmJOcHhGcnJzZ2FXQ1ptSzFDeFZFZVpDcVhadFN6T3EwMTlYbGpaTHFMR19EcWN2cnlWTGRnVGxoQi1PbUMxbEJNejJRQlhhbXhuNzNOeGQyZG9yU1haS3FLR2VxamtWdkRNRXp1RzI3YWRhR016U2p3?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2020-04-27 [Amarillo Area Chapter of Credit Unions donating $11 million to Snack Pak 4 Kids - KVII](https://news.google.com/rss/articles/CBMitAFBVV95cUxPLUZzWGFGcFFBOHh0Q3RCZmVzTmoyRzBPUnZyZ1BoQjhyalJqSmtsbXV3M3A0RW9MUFUybldtUHFvNVlGWXp4VVVCaGlINFZjREhiT3dnZjhrSnNES2VRaWdnYlZNb1dJZU82ekF6ZDhkX3l1U2k5MU5ESHQ2M2RPb09zcWdGdllaTkEycC1mT2JQMk9sWnh2MHBKb1Vuei1JeDc0MlJhTHdWUWY5c05XZU9pTjQ?oc=5) · KVII
- 2021-03-05 [Freda Powell - Amarillo City Council, Place 2 - amarillopioneer.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE52WlAwalBaZ0RsUFNqZkU1bFZPVWZrUE52Qkh4T2dWTVVJUUJsNGhhUzY1dWRiZGVwQmRNQUJ4MGl6blVxaXNCSU1NYXp4ajVHbXVfTDVyblpWYUFpSmZEaw?oc=5) · amarillopioneer.com
- 2023-11-12 [Suspect in Lubbock, Amarillo robberies facing federal charges - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxNRXhKNVpTZVZhdjhVdkE4bmVLRzNjMURZZ0RCaGlJSnJ2cXpITVlSZVpqSGM1UDRveHFZTkIyTURBUm5iZndjbDRSUWtlM2lHMFBFSXI0eWNxdzlsVjQwSFB6c1VwbHZxSEJ6blp5TVBxWGpVYkk4S1B1b1A3NXc2eTB1YjRiNFdGT1VWMEpQX0xDTFkwWGdtUWFrREgzNnhSU1JIOEdNWEZpeElWNTZXNTZEaTk5amxrTWxNa2RnNW1NZG5LVVNqTEVOY0w?oc=5) · Lubbock Avalanche-Journal
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcjBZanBlODQ3dWF6andRNFV2bi1qUU5UV3lGVXpKNU5iVFQ1S0dvbzRLQlJIQzJ4S3Rsa0pNMjJsbTBkNG1ZR1Y1S2JOOVVlckdsaTlCY1dsR0I3WDQyalF0VllMTm5WdFNxTGlmbkFyNHA3WlduNUl5elFrR2l0Z2JPb1ZuQmJnSkNR?oc=5) · Newsweek Rankings
- 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
- 2014-06-07 [Welch: Public House provides 4 C's - Amarillo Globe-News](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSnloSWNoeDdtd2dLeFFOejJwcGlWWUtHb19NVk5kLXQ2UzRHajhFSzhHQnQ3Y3dEanBIdmljRjJSV3Y1RURnN29jN1Y1Y0lGLVR6RzJ4aWdBU0NDRk5aN25xYVBCc3RpejI3REFNSVFWdktfUmowWWpPMEVDVjJMaU10b3FZcURvZ1cyS3RTc0ZmbzNWdjFz?oc=5) · Amarillo Globe-News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67178 (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/42.json (key "67178", 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=67178
- 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.

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