Acipco

BIRMINGHAM, AL · 1 · Charter #16500 · www.acipcofcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$207.4M
91th percentile
Members
8,894
60th percentile
Total loans
$133.6M
91th percentile
Total shares
$180.9M
91th percentile

Profitability

Return on assets
0.38%
12th percentile
Net interest margin
1.74%
1th percentile
Efficiency ratio
49.13%
84th percentile
Non-interest income ratio
15.33%
40th percentile

Capital & Risk

Net worth ratio
14.26%
72th percentile
Delinquency rate
0.12%
92th percentile
Net charge-off rate
0.09%
84th percentile
Loan-to-share
73.87%
62th percentile

Growth

Member growth YoY
1.97%
79th percentile
Asset growth YoY
5.98%
68th percentile
Loan growth YoY
0.60%
46th percentile
Share growth YoY
5.41%
67th percentile

Operations

Members / branch
4,447
76th percentile
Assets / member
$23,324
91th percentile
Field of membership penetration
88.94%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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