BlastPoint's Credit Union Scorecard
ACBA FED CREDIT UNION (3226)
Charter #3226 · PA
ACBA FED CREDIT UNION (3226) has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.22% below tier average
- - Efficiency ratio 34.93% above tier (higher cost structure)
- - Delinquency rate 2.99% above tier average
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
- - Loan Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
979
-1.8% YoY-0.3% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$3.0M
-5.4% YoY-2.2% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.9% in tier |
| Loans |
$2.1M
-16.3% YoY-1.5% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$2.6M
-1.0% YoY-0.9% QoQ
|
$-23.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-2.6%
+25.6% YoY+54.5% QoQ
|
-3.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.3% in tier |
| NIM |
7.2%
-3.2% YoY-4.4% QoQ
|
+3.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
117.5%
+27.3% YoY+5.3% QoQ
|
+34.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
4.5%
+111.5% YoY+3.4% QoQ
|
+3.0 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 7.1% in tier |
| Loan To Share |
82.3%
-15.5% YoY-0.6% QoQ
|
+21.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$4,786
-6.9% YoY-0.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.4% in tier |
| CD Concentration |
6.3%
+2.6% YoY+1.5% QoQ
|
-18.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)