BlastPoint's Credit Union Scorecard
ACBA FED CREDIT UNION (3226)
Charter #3226 · PA
ACBA FED CREDIT UNION (3226) has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.92% above tier average
- + Net Interest Margin 3.07% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 35.45% above tier (higher cost structure)
- - Delinquency rate 2.06% above tier average
- - Member decline: -4.2% YoY
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - Loan Growth Rate: Bottom 9.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +1.1% year over year ($2.6M in shares and deposits).
- Membership: 942 members, -4.2% vs a year ago.
- Delinquency rate 3.60%.
- Return on assets 3.41%.
- Efficiency ratio 124.22% vs a 88.77% peer average.
- Loan-to-share ratio 69.82% vs a 58.89% 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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
942
-4.2% YoY-2.6% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$3.0M
-2.4% YoY-1.5% QoQ
|
$-27.2M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.5% in tier |
| Loans |
$1.8M
-17.5% YoY-6.8% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$2.6M
+1.1% YoY-0.7% QoQ
|
$-23.2M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.8% in tier |
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| ROA |
3.4%
-230.1% YoY-178.1% QoQ
|
+1.9% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 3.2% in tier |
| NIM |
7.0%
-6.8% YoY+1.4% QoQ
|
+3.1% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 1.1% in tier |
| Efficiency Ratio |
124.2%
+6.7% YoY-5.1% QoQ
|
+35.5% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate |
3.6%
+47.2% YoY-36.7% QoQ
|
+2.1 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.5% in tier |
| Loan To Share |
69.8%
-18.4% YoY-6.2% QoQ
|
+10.9% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$4,716
-3.4% YoY-0.7% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.0% in tier |
| CD Concentration |
7.0%
+14.1% YoY+13.4% QoQ
|
-17.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)