BlastPoint's Credit Union Scorecard

ACIPCO

Charter #16500 · AL

100M-500M

1069 CUs in 100M-500M nationally 19 in AL

ACIPCO has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 5.9% in tier
+ Average Member Relationship (AMR): Top 8.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.47% below tier average
- Efficiency ratio 6.92% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 0.9% in tier
- First Mortgage Concentration (%): Bottom 2.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	8,894 +2.0% YoY+0.5% QoQ	-6.5K	15,437 -2.9% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	23%
Assets	$207.4M +6.0% YoY-2.2% QoQ	$-24.4M	$231.9M +1.3% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	53%
Loans	$133.6M +0.6% YoY+1.7% QoQ	$-13.7M	$147.3M -0.1% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	54%
Deposits	$180.9M +5.4% YoY-1.0% QoQ	$-20.0M	$200.8M +0.8% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -4.3% YoY-85.4% QoQ	-0.5%	0.8% +18.2% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	18%
NIM	1.7% +7.4% YoY-47.5% QoQ	-1.9%	3.6% +6.7% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	Bottom 0.8% in tier
Efficiency Ratio	83.9% +1.0% YoY+72.5% QoQ	+6.9%	77.0% -3.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	74%
Delinquency Rate	0.1% -65.7% YoY-66.0% QoQ	-0.8	0.9% +4.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	Top 5.9% in tier
Loan To Share	73.9% -4.6% YoY+2.8% QoQ	+1.6%	72.2% -1.1% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	51%
AMR	$35,357 +1.3% YoY-0.4% QoQ	+$11K	$24,676 +3.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	Top 8.8% in tier
CD Concentration	29.4% -9.7% YoY+3.1% QoQ	+5.0%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#261 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#476 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.29%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#259 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.31%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.6K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk

#123 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.94%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.01% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.97%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: -

#64 of 1069 Top 5.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,357

Peer Median: -

#94 of 1069 Top 8.7% in 100M-500M tier

116

Loan-to-Member Ratio (LMR)

engagement

Value: $15,022

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

132

Members Per Employee (MPE)

engagement

Value: 444.700

Peer Median: -

#132 of 1069 Top 12.3% in 100M-500M tier

140

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

214

Net Worth Ratio

risk

Value: 14.25%

Peer Median: -

#214 of 1069 Top 19.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1060

Net Interest Margin (NIM)

profitability

Value: 1.72%

Peer Median: -

#1060 of 1069 Bottom 0.9% in 100M-500M tier

1043

First Mortgage Concentration (%)

balance_sheet

Value: 68.46%

Peer Median: -

#1043 of 1069 Bottom 2.5% in 100M-500M tier

880

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: -

#880 of 1069 Bottom 17.8% in 100M-500M tier

827

Total Members

engagement

Value: 8,894

Peer Median: -

#827 of 1069 Bottom 22.7% in 100M-500M tier