BlastPoint's Credit Union Scorecard
ACBA FED CREDIT UNION (3226)
Charter #3226 · PA
ACBA FED CREDIT UNION (3226) has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.63% 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 2.37% below tier average
- - Efficiency ratio 30.14% above tier (higher cost structure)
- - Delinquency rate 2.89% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.4% in tier
- - Average Member Relationship (AMR): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
982
-1.6% YoY-0.1% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$3.1M
-3.2% YoY+0.3% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.4% in tier |
| Loans |
$2.1M
-14.9% YoY-3.1% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$2.6M
-3.5% YoY+0.3% QoQ
|
$-22.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.1% in tier |
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| ROA |
-1.7%
-59.1% YoY-35.7% QoQ
|
-2.4% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.7% in tier |
| NIM |
7.6%
+3.7% YoY+1.2% QoQ
|
+3.6% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
111.5%
+4.0% YoY-4.2% QoQ
|
+30.1% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
4.4%
+241.1% YoY+79.5% QoQ
|
+2.9 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 7.4% in tier |
| Loan To Share |
82.7%
-11.8% YoY-3.4% QoQ
|
+21.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$4,827
-7.5% YoY-1.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.7% in tier |
| CD Concentration |
6.2%
-3.8% YoY+0.9% QoQ
|
-18.2% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)