Federal credit union · Laramie, Wyoming · NCUA charter #11867
A.C.P.E.
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $76.1M
- Total assets
- 4,716
- Members
- 11.5%
- Net-worth ratio
A.C.P.E. scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $76.1M; members 4,716; net-worth ratio 11.46%; health rank #521 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#521 of 4,374 health · 2025Q4A.C.P.E. · health 94/100 · $76.1M · 2025Q4
Call Report peers
A.C.P.E. in the assets neighbourhood
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A.C.P.E. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); A.C.P.E. sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
A.C.P.E.: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 71.16% vs peer 62.60% (+8.56 pp).
- Largest lag: Net Worth Ratio at 11.46% vs peer 13.62% (-2.16 pp).
A.C.P.E. in Wyoming
- In Wyoming, health place is #6 of 18 on the same NCUA-ratio sort used nationally.
- By total assets, A.C.P.E. is #13 of 18 in Wyoming.
- Member book place in Wyoming: #13 of 18.
- One place up in Wyoming, Grand Altitude (#5) scores 95/100, 1 point higher; one place down, PATHFINDER (#7) scores 89/100, 5 points lower.
Quarter path for A.C.P.E.
A.C.P.E.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $76.1M (2025Q4) to $77.1M (2026Q1).
- Net-worth ratio shifted +0.28 pp (11.18% → 11.46%).
At 11.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
A.C.P.E. gives up 6 points in total. Member Growth costs the most, 4.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for A.C.P.E.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -2.16 pp |
| Delinquency Rate | 0.68% | -0.28 pp |
| Return on Assets | 1.39% | +0.73 pp |
| Member Growth | 1.42% | - |
| Loan-to-Share Ratio | 71.16% | +8.56 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
A.C.P.E. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.1M | - |
| 2025Q4 | $76.1M | 4,716 |
| 2024Q4 | $66.8M | 4,650 |
| 2023Q4 | $63.6M | 4,730 |
Credit Union Details
- Charter Number
- 11867
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Wyoming
- City
- Laramie
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, A.C.P.E. runs one office.
| Office | City |
|---|---|
| ACPE FCU (Main Office) | Laramie, WY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wyoming
More federally-insured credit unions based in Wyoming, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- A.C.P.E. ranks #521 of 4,374 nationally on financial health and #6 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PATHFINDER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PATHFINDER
Frequently Asked Questions
Is A.C.P.E. financially healthy?
On its 2025Q4 NCUA 5300 filing, A.C.P.E. scores 94/100 (Excellent), with a 11.46% net worth ratio and 0.68% of loans delinquent. It ranks #521 of 4,374 nationally on health and #6 of 18 in Wyoming.
How does A.C.P.E. compare to other credit unions?
A.C.P.E. scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (71.16% vs 62.60%). Its widest shortfall is net worth ratio (11.46% vs 13.62%).
How can I join A.C.P.E.?
A.C.P.E. 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 A.C.P.E. directly for the exact boundaries and application steps.
Is my money safe at A.C.P.E.?
A.C.P.E. is a federal 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. A.C.P.E.'s net worth ratio of 11.46% 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.