ACE
Charter #64323 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
ACE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
- - Loan Growth Rate: Bottom 4.8% in tier
- - Fee Income Per Member: Bottom 5.7% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
776
-2.1% YoY-1.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 22.1% in tier |
| Assets |
$7.7M
+7.5% YoY+0.6% QoQ
|
$-22.2M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
27th in tier |
| Loans |
$1.7M
-22.2% YoY-5.6% QoQ
|
$-14.1M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 15.6% in tier |
| Deposits |
$6.2M
+8.0% YoY+0.4% QoQ
|
$-19.3M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
27th in tier |
| ROA |
1.1%
-20.3% YoY+15.5% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
65th in tier |
| NIM |
2.7%
-6.9% YoY+3.2% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio |
60.0%
+10.2% YoY-6.7% QoQ
|
-21.4% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
26.8%
-28.0% YoY-5.9% QoQ
|
-34.4% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.5% in tier |
| AMR |
$10,068
+2.0% YoY+0.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
29th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
339
Deposit Growth Rate
growth
Value:
8.01%
Peer Avg: 16.80%
#339 of 2596
Top 13.0% in <100M tier
364
Efficiency Ratio
profitability
Value:
59.98%
Peer Avg: 81.39%
#364 of 2596
Top 14.0% in <100M tier
376
Asset Growth Rate
growth
Value:
7.53%
Peer Avg: 1.82%
#376 of 2596
Top 14.4% in <100M tier
595
Net Worth Ratio
risk
Value:
19.75%
Peer Avg: 16.43%
#595 of 2596
Top 22.9% in <100M tier
Top Weaknesses (7 metrics)
2472
Loan Growth Rate
growth
Value:
-22.22%
Peer Avg: 59.01%
#2472 of 2596
Bottom 4.8% in <100M tier
2450
Fee Income Per Member
profitability
Value:
$0.31
Peer Avg: $182.96
#2450 of 2596
Bottom 5.7% in <100M tier
2397
Loan-to-Share Ratio
balance_sheet
Value:
26.82%
Peer Avg: 61.23%
#2397 of 2596
Bottom 7.7% in <100M tier
2321
Net Interest Margin (NIM)
profitability
Value:
2.69%
Peer Avg: 3.93%
#2321 of 2596
Bottom 10.6% in <100M tier
2226
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,129
Peer Avg: $5,488
#2226 of 2596
Bottom 14.3% in <100M tier
2192
Total Loans
balance_sheet
Value:
$1.65M
Peer Avg: $15.77M
#2192 of 2596
Bottom 15.6% in <100M tier
2021
Total Members
engagement
Value:
776
Peer Avg: 2,626
#2021 of 2596
Bottom 22.2% in <100M tier