A.C.P.E. Federal Credit Union
Total assets
$77.1M
▲ +10.5% YoY
Shares & deposits
$68.2M
▲ +9.9% YoY
Loans
$46.6M
▼ -4.3% YoY
Members
4,750
▲ +1.4% YoY
ROA (annualized)
1.68%
peers 0.60%
ROE (annualized)
14.64%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +1.3% | +9.2 pts |
| Share growth (YoY) | +9.9% | +0.7% | +9.2 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 1.68% | 0.60% | +1.1 pts |
| ROE | 14.6% | 4.1% | +10.5 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 2835 E Grand Ave, Laramie, WY, 82070
- NCUA charter #
- 11867
- RSSD ID
- 829386
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.1M | $68.2M | $46.6M | $8.8M | $323K | 1.68% | 4.03% | 0.49% | 4,750 |
| Q4 2025 | $76.1M | $67.5M | $48.0M | $8.5M | $1.2M | 1.60% | 3.96% | 0.68% | 4,716 |
| Q3 2025 | $73.8M | $65.6M | $48.4M | $8.2M | $917K | 1.66% | 4.03% | 0.66% | 4,751 |
| Q2 2025 | $71.1M | $63.0M | $49.3M | $7.9M | $641K | 1.80% | 4.18% | 0.60% | 4,731 |
| Q1 2025 | $69.7M | $62.0M | $48.7M | $7.6M | $308K | 1.77% | 4.22% | 0.64% | 4,685 |
| Q4 2024 | $66.8M | $59.4M | $48.9M | $7.3M | $1.1M | 1.58% | 4.10% | 0.40% | 4,650 |
| Q3 2024 | $66.7M | $59.6M | $50.1M | $7.0M | $788K | 1.57% | 4.03% | 0.20% | 4,719 |
| Q2 2024 | $64.9M | $58.0M | $48.6M | $6.7M | $466K | 1.44% | 4.06% | 0.37% | 4,703 |
Loan mix (Q1 2026): real estate $11.3M · commercial $809K · consumer $32.3M · securities $25.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 81.5% | 9th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- First Education Federal Credit UnionCheyenne, WY · $88.2M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
- Bay Cities Credit UnionHayward, CA · $78.8M
- Castparts Employees Federal Credit UnionPortland, OR · $78.9M
- Enbright Credit UnionNashville, TN · $78.9M
Selling to A.C.P.E. Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.