BlastPoint's Credit Union Scorecard
ACBA FED CREDIT UNION (3226)
Charter #3226 · PA
ACBA FED CREDIT UNION (3226) has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.86% above tier average
Key Concerns
Areas that may need attention
- - ROA 4.51% below tier average
- - Efficiency ratio 40.25% above tier (higher cost structure)
- - Delinquency rate 4.19% above tier average
- - Net Charge-Off Rate: Bottom 3.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
967
-1.5% YoY-1.2% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$3.1M
-2.7% YoY+1.0% QoQ
|
$-27.1M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.0% in tier |
| Loans |
$2.0M
-16.8% YoY-7.3% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$2.6M
+0.3% YoY+2.5% QoQ
|
$-23.1M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.9% in tier |
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| ROA |
-4.4%
+61.3% YoY+67.7% QoQ
|
-4.5% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.0% in tier |
| NIM |
6.9%
-2.6% YoY-5.0% QoQ
|
+2.9% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
130.9%
-2.9% YoY+11.4% QoQ
|
+40.2% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
5.7%
+84.0% YoY+25.2% QoQ
|
+4.2 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.9% in tier |
| Loan To Share |
74.4%
-17.1% YoY-9.5% QoQ
|
+15.9% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$4,751
-6.3% YoY-0.7% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
6.2%
+3.6% YoY-1.8% QoQ
|
-18.1% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)