BlastPoint's Credit Union Scorecard
ACIPCO
Charter #16500 · AL
ACIPCO has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.0% in tier
- + Profitability Leader: Top 10.9% in tier
- + Organic Growth Leader: Top 21.7% in tier
- + Emerging Performer: Top 40.0% in tier
- + Credit Quality Leader: Top 90.3% in tier
- + ROA 1.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.4% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.6% in tier
- - First Mortgage Concentration (%): Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,848
+1.7% YoY+0.4% QoQ
|
-6.8K |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$212.1M
+5.3% YoY+1.0% QoQ
|
$-19.2M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$131.4M
-1.6% YoY-1.0% QoQ
|
$-16.4M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$182.7M
+5.2% YoY+0.2% QoQ
|
$-17.5M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
54% |
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| ROA |
2.0%
+22.0% YoY+2.2% QoQ
|
+1.2% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 3.2% in tier |
| NIM |
3.3%
+16.6% YoY+1.1% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
48.6%
-5.7% YoY-1.3% QoQ
|
-28.6% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate |
0.4%
+284.7% YoY-39.5% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
71.9%
-6.4% YoY-1.2% QoQ
|
-0.8% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$35,500
+0.5% YoY-0.7% QoQ
|
+$11K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Top 8.4% in tier |
| CD Concentration |
28.5%
-0.9% YoY-0.6% QoQ
|
+4.1% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)