BlastPoint's Credit Union Scorecard
ACE
Charter #64323 · IA
ACE faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.69% below tier average
- - Member decline: -2.9% YoY
- - Fee Income Per Member: Bottom 4.9% in tier
- - Net Interest Margin (NIM): Bottom 8.5% in tier
- - Loan-to-Share Ratio: Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Iowa.
- Shares and deposits -3.2% year over year ($5.9M in shares and deposits).
- Membership: 762 members, -2.9% vs a year ago.
- Delinquency rate 0.12%.
- Return on assets 0.80%.
- Efficiency ratio 69.39% vs a 88.77% peer average.
- Loan-to-share ratio 27.59% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
762
-2.9% YoY-0.3% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$7.5M
-1.5% YoY-1.2% QoQ
|
$-22.8M |
$30.3M
+1.5% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$1.6M
-6.3% YoY-1.5% QoQ
|
$-13.8M |
$15.5M
-1.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$5.9M
-3.2% YoY-1.8% QoQ
|
$-19.9M |
$25.8M
+1.1% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.8%
-14.4% YoY+78.3% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
2.6%
+0.0% YoY+4.0% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
69.4%
+8.0% YoY-15.6% QoQ
|
-19.4% |
88.8%
-6.9% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.1%
-93.1% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
27.6%
-3.2% YoY+0.4% QoQ
|
-31.3% |
58.9%
-3.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.1% in tier |
| AMR |
$9,946
-1.0% YoY-1.5% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.1% | 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)