Federal credit union · EASTLAKE, Ohio · NCUA charter #3447
ACME
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $13.3M
- Total assets
- 1,536
- Members
- 21.5%
- Net-worth ratio
ACME scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.3M; members 1,536; net-worth ratio 21.53%; health rank #2,684 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,684 of 4,374 health · 2025Q4ACME · health 80/100 · $13.3M · 2025Q4
- MEM 80/100
- RANK 21.5%
- PHOTO 0.40%
- BOOK 0.53%
- CHARTER $13.3M
- NCUSIF 1,536
- CAMELS #2,684/4,374
- HEALTH Morris Sheppard Texarkana
- NW 3447
Call Report peers
ACME in the assets neighbourhood
ACME's $13.3M assets sit next to Morris Sheppard Texarkana ($13.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACME vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% 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
ACME - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3447: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
ACME vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 21.53% vs peer 14.86% (+6.67 pp).
- Largest lag: Loan-to-Share Ratio at 46.19% vs peer 59.80% (-13.61 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ACME sits in Ohio
- Health composite ranks #118 of 196 among scored Ohio credit unions.
- By total assets, ACME is #160 of 196 in Ohio.
- Member book place in Ohio: #157 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ACME: 2025Q4 → 2026Q1
ACME: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $13.3M (2025Q4) to $13.2M (2026Q1).
- Net-worth ratio shifted +0.32 pp (21.21% → 21.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
ACME vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.53% | +6.67 pp |
| Delinquency Rate | 0.40% | -0.75 pp |
| Return on Assets | 0.53% | -0.17 pp |
| Member Growth | -5.42% | - |
| Loan-to-Share Ratio | 46.19% | -13.61 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
ACME quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.2M | - |
| 2025Q4 | $13.3M | 1,536 |
| 2024Q4 | $13.9M | 1,624 |
| 2023Q4 | $13.4M | 2,178 |
Credit Union Details
- Charter Number
- 3447
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- EASTLAKE
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for ACME, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Eastlake, OH |
| PACO Branch | Cleveland, OH |
| Record Location | Eastlake, OH |
| Manatrol Branch | Elyria, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
ACME's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- ACME ranks #2,684 of 4,374 nationally on financial health and #118 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fasson Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fasson Employees
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ACME financially healthy?
ACME has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,684 of 4,374; by total assets it ranks #3,393 of 4,374 nationally (same basis as /rankings/largest); and #160 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.53% and delinquency rate of 0.40%.
How does ACME compare to other credit unions?
PlainCU's health composite puts ACME at 80/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ACME?
ACME operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ACME directly for the exact boundaries and application steps.
Is my money safe at ACME?
Federal credit unions like ACME are 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. ACME's net worth ratio of 21.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ACME offer compared to banks?
Credit unions like ACME are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ACME directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.