ACE
Charter #64323 · Mason City, IA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.51% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.87% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 41st — a 43-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 | ACE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.61M | 84th pct | 41th pct |
| Members | 764 | 67th pct | 31th pct |
| Net worth ratio | 20.41% | 60th pct | 64th pct |
| Return on average assets | 0.45% | 51th pct | 41th pct |
| Net interest margin | 2.51% | 12th pct | 16th pct |
| Cost of funds | 1.87% | 86th pct | 85th pct |
| Loan-to-share | 27.48% | 17th pct | 30th pct |
| Delinquency 60+ days | 1.72% | 65th pct | 69th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | 0.66% | 77th pct | 82th pct |
| Share growth YoY | -1.79% | 35th pct | 25th pct |
| Efficiency ratio | 82.18% | 44th pct | 51th pct |
structural peer set hash: fb973094c4c270b354f42dcb6b0cb5c6… (reproducible)
Closest structural peers
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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.