BlastPoint's Credit Union Scorecard
ACIPCO
Charter #16500 · AL
ACIPCO has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.40% above tier average
- + Efficiency Ratio: Top 1.7% in tier
- + Average Member Relationship (AMR): Top 6.3% in tier
- + Total Delinquency Rate (60+ days): Top 7.0% in tier
- + AMR Growth Rate: Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -7.1% YoY
- - First Mortgage Concentration (%): Bottom 2.3% in tier
- - Member Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,117
-7.1% YoY-8.7% QoQ
|
-7.0K |
15,145
-2.5% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$211.9M
+4.3% YoY+2.1% QoQ
|
$-19.9M |
$231.7M
+0.8% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$134.2M
+2.0% YoY+0.4% QoQ
|
$-10.0M |
$144.1M
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$183.5M
+3.8% YoY+1.5% QoQ
|
$-17.6M |
$201.1M
+0.4% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
2.1%
+11.6% YoY+630.5% QoQ
|
+1.4% |
0.7%
+5.1% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Top 2.8% in tier |
| NIM |
3.5%
+7.6% YoY+104.6% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
48.8%
-4.1% YoY-41.9% QoQ
|
-29.3% |
78.0%
-1.7% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
0.1%
-77.2% YoY-16.0% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Top 7.0% in tier |
| Loan To Share |
73.1%
-1.7% YoY-1.0% QoQ
|
+2.7% |
70.4%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$39,136
+10.9% YoY+10.7% QoQ
|
+$14K |
$24,918
+2.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Top 6.4% in tier |
| CD Concentration |
29.7%
-8.5% YoY+0.9% QoQ
|
+5.4% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)