BlastPoint's Credit Union Scorecard
A.C.P.E.
Charter #11867 · WY
A.C.P.E. has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Net Interest Margin 0.18% above tier average
- + Total Loans: Top 6.1% in tier
- + Asset Growth Rate: Top 7.4% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
- + Deposit Growth Rate: Top 8.7% in tier
- + Total Deposits: Top 8.9% in tier
- + Average Member Relationship (AMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,751
+0.7% YoY+0.4% QoQ
|
+2.1K |
2,625
-2.2% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$73.8M
+10.6% YoY+3.9% QoQ
|
+$44.0M |
$29.9M
+1.1% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Top 10.1% in tier |
| Loans |
$48.4M
-3.5% YoY-1.8% QoQ
|
+$32.6M |
$15.8M
-2.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 6.2% in tier |
| Deposits |
$65.6M
+10.1% YoY+4.1% QoQ
|
+$40.2M |
$25.5M
+0.4% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 8.9% in tier |
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| ROA |
1.7%
+5.8% YoY-7.4% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
85% |
| NIM |
4.1%
+0.6% YoY-2.5% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
56.6%
-5.3% YoY-0.5% QoQ
|
-24.8% |
81.4%
-2.4% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate |
0.7%
+230.6% YoY+10.1% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
73.7%
-12.4% YoY-5.7% QoQ
|
+12.5% |
61.2%
-3.0% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$23,989
+3.2% YoY+1.1% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
Top 9.7% in tier |
| CD Concentration |
19.0%
-23.7% YoY-1.3% QoQ
|
-5.4% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
49.8%
+5.7% YoY-0.2% QoQ
|
+35.8% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)