BlastPoint's Credit Union Scorecard
A.C.P.E.
Charter #11867 · WY
A.C.P.E. has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Net Interest Margin 0.07% above tier average
- + Asset Growth Rate: Top 3.9% in tier
- + Deposit Growth Rate: Top 4.7% in tier
- + Total Loans: Top 6.5% in tier
- + Loan-to-Member Ratio (LMR): Top 7.5% in tier
- + Total Deposits: Top 8.1% in tier
- + Efficiency Ratio: Top 8.6% in tier
- + Average Member Relationship (AMR): Top 9.1% in tier
- + Total Assets: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,716
+1.4% YoY-0.7% QoQ
|
+2.1K |
2,615
-1.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$76.1M
+13.9% YoY+3.1% QoQ
|
+$45.9M |
$30.1M
+2.1% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
Top 9.4% in tier |
| Loans |
$48.0M
-1.7% YoY-0.7% QoQ
|
+$32.3M |
$15.8M
-1.3% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Top 6.5% in tier |
| Deposits |
$67.5M
+13.7% YoY+2.9% QoQ
|
+$41.8M |
$25.7M
+1.4% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
Top 8.2% in tier |
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| ROA |
1.6%
+2.3% YoY-4.0% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
Top 13.2% in tier |
| NIM |
4.0%
-1.9% YoY-2.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
56.9%
-4.0% YoY+0.6% QoQ
|
-25.6% |
82.6%
-2.3% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
0.7%
+68.9% YoY+2.9% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
71.2%
-13.6% YoY-3.4% QoQ
|
+10.5% |
60.6%
-3.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$24,498
+5.3% YoY+2.1% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
Top 9.2% in tier |
| CD Concentration |
18.0%
+0.1% YoY-5.2% QoQ
|
-6.4% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % |
49.5%
+6.8% YoY-0.5% QoQ
|
+35.8% | 13.8% | 19.3% | 7.8% | 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)