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 1.34% above tier average
- + Efficiency Ratio: Top 1.5% in tier
- + AMR Growth Rate: Top 5.6% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Net Charge-Off Rate: Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.1% 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: -7.0% YoY
- - First Mortgage Concentration (%): Bottom 2.7% in tier
- - Member Growth Rate: Bottom 5.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
- Shares and deposits +4.9% year over year ($191M in shares and deposits).
- Membership: 8,193 members, -7.0% vs a year ago.
- Delinquency rate 0.21%.
- Return on assets 2.20%.
- Efficiency ratio 46.66% vs a 76.73% peer average.
- Loan-to-share ratio 73.21% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,193
-7.0% YoY+0.9% QoQ
|
-7.0K |
15,168
-2.6% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$221.5M
+5.4% YoY+4.6% QoQ
|
$-10.5M |
$232.0M
+0.7% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$140.0M
+5.5% YoY+4.4% QoQ
|
$-6.2M |
$146.3M
+0.2% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$191.3M
+4.9% YoY+4.2% QoQ
|
$-9.4M |
$200.7M
+0.2% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
2.2%
+13.1% YoY+3.7% QoQ
|
+1.3% |
0.9%
+12.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 2.1% in tier |
| NIM |
3.5%
+8.2% YoY-0.4% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
46.7%
-5.3% YoY-4.3% QoQ
|
-30.1% |
76.7%
-0.8% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Top 1.5% in tier |
| Delinquency Rate |
0.2%
-65.0% YoY+102.3% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Top 11.6% in tier |
| Loan To Share |
73.2%
+0.6% YoY+0.1% QoQ
|
+1.7% |
71.5%
-0.3% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$40,442
+13.1% YoY+3.3% QoQ
|
+$15K |
$25,107
+3.2% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Top 6.0% in tier |
| CD Concentration |
30.7%
+7.0% YoY+3.4% QoQ
|
+6.1% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)