BlastPoint's Credit Union Scorecard
ACE
Charter #64323 · IA
ACE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.22% above tier average
- - Member decline: -2.8% YoY
- - Fee Income Per Member: Bottom 7.3% in tier
- - Net Interest Margin (NIM): Bottom 7.9% in tier
- - Loan-to-Share Ratio: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
764
-2.8% YoY-0.7% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$7.6M
-2.2% YoY+0.2% QoQ
|
$-22.6M |
$30.2M
+1.3% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$1.7M
-8.7% YoY+1.5% QoQ
|
$-13.6M |
$15.3M
-2.0% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$6.1M
-4.0% YoY+0.1% QoQ
|
$-19.7M |
$25.8M
+0.7% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.4%
-50.9% YoY-61.2% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
2.5%
-7.0% YoY-11.0% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.9% in tier |
| Efficiency Ratio |
82.2%
+24.1% YoY+39.3% QoQ
|
-8.5% |
90.6%
+6.5% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate | 1.7% | +0.2 |
1.5%
+3.8% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
27.5%
-5.0% YoY+1.4% QoQ
|
-31.0% |
58.5%
-3.0% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.3% in tier |
| AMR |
$10,097
-2.3% YoY+1.1% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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)