A.C.P.E.
Charter #11867 · Laramie, WY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,750 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 1.69% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.12% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 57.23% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 20th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | A.C.P.E. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.06M | 61th pct | 48th pct |
| Members | 4,750 | 44th pct | 20th pct |
| Net worth ratio | 11.46% | 35th pct | 49th pct |
| Return on average assets | 1.69% | 90th pct | 87th pct |
| Net interest margin | 4.06% | 70th pct | 64th pct |
| Cost of funds | 1.28% | 69th pct | 64th pct |
| Loan-to-share | 68.41% | 64th pct | 44th pct |
| Delinquency 60+ days | 0.49% | 42th pct | 41th pct |
| Net charge-off ratio | 0.12% | 35th pct | 18th pct |
| Loan growth YoY | -3.58% | 30th pct | 20th pct |
| Share growth YoY | 3.88% | 63th pct | 48th pct |
| Efficiency ratio | 57.23% | 8th pct | 7th pct |
structural peer set hash: 21617569219c97b05f8657a7d9d9dc4d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.