State credit union · Mason City, Iowa · NCUA charter #64323
ACE
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $7.6M
- Total assets
- 769
- Members
- 20.4%
- Net-worth ratio
ACE scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.6M; members 769; net-worth ratio 20.41%; health rank #2,380 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,380 of 4,374 health · 2025Q4ACE · health 82/100 · $7.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ACE sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ACE: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Loan-to-Share Ratio trails the peer set - 27.11% here, 63.60% peer average (-36.49 pp).
Where ACE sits in Iowa
- Health composite ranks #45 of 66 among scored Iowa credit unions.
- Assets rank #54 of 66 inside Iowa ($7.6M reported).
- Membership ranks #56 of 66 among Iowa CUs with a reported count (769 members).
- One place up in Iowa, AFFINITY (#44) scores 83/100, 1 point higher; one place down, Burlington Municipal Employees (#46) ties at 82/100.
How ACE's 5300 filing moved
ACE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $7.6M (2025Q4) to $7.6M (2026Q1).
- Net-worth ratio shifted +0.07 pp (20.34% → 20.41%).
At 20.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
ACE gives up 18 points in total. Member Growth costs the most, 11 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 8.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.41% | +1.35 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.22% | +0.77 pp |
| Member Growth | -2.78% | - |
| Loan-to-Share Ratio | 27.11% | -36.49 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.6M | - |
| 2025Q4 | $7.6M | 769 |
| 2024Q4 | $7.4M | 791 |
| 2023Q4 | $7.1M | 805 |
Credit Union Details
- Charter Number
- 64323
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Iowa
- City
- Mason City
- Data Quarter
- 2025Q4
Branch Location
ACE operates a single office in Mason City, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ACE Credit Union (Main Office) | Mason City, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near ACE
Similar health score
Using this data
- ACE ranks #2,380 of 4,374 nationally on financial health and #45 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Teamsters Local #238 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Teamsters Local #238
Frequently Asked Questions
Is ACE financially healthy?
ACE has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,380 of 4,374 nationally on health and #45 of 66 in Iowa. Its net worth ratio is 20.41% and its delinquency rate 0.00%.
How does ACE compare to other credit unions?
ACE scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (27.11% vs 63.60%).
How can I join ACE?
Membership eligibility for ACE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ACE directly for current membership requirements and application steps.
Is my money safe at ACE?
ACE is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ACE's net worth ratio of 20.41% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.