A.C.P.E.
Laramie, WY · Charter 11867 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$78.1MAssets
$45.1MLoans
$68.9MShares
$9.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets (rank 51 of 1681).
- Widest gap: equity / assets trails 61% of credit unions under $1B in assets (rank 1031 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.74%
Rank 152 of 1,683
Net Interest Margin
4.00%
Rank 673 of 1,683
Efficiency Ratio
57.08%
Rank 147 of 1,682
Equity / Assets
11.75%
Rank 1,031 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.35% | 0.74% | 1.18% | Beats 91% | 152 / 1,683 | | |
| Return on Equity | 14.77% | 2.67% | 5.89% | 8.74% | Beats 97% | 51 / 1,681 | | |
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 673 / 1,683 | | |
| Efficiency Ratio | 57.08% | 68.91% | 78.20% | 86.93% | Beats 91% | 147 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.26% | 0.65% | 1.29% | Beats 62% | 648 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.75% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,031 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.75% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,031 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.45% | 52.61% | 69.38% | 83.50% | 43rd pctl | 965 / 1,683 | | |
| Loans / Assets | 57.70% | 44.71% | 59.18% | 70.72% | 47th pctl | 893 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |