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
- ASSETS 94/100
- MEM 11.5%
- RANK 0.68%
- PHOTO 1.39%
- BOOK $76.1M
- CHARTER 4,716
- NCUSIF #521/4,374
- CAMELS Texan Sky
- HEALTH 11867
Call Report peers
A.C.P.E. in the assets neighbourhood
A.C.P.E.'s $76.1M assets sit next to Texan Sky ($76.1M) 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.
A.C.P.E. 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
94 Top 13% higher than 87% 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
A.C.P.E. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11867. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for A.C.P.E.
A.C.P.E.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $76.1M (2025Q4) to $77.1M (2026Q1).
- Net-worth ratio shifted +0.28 pp (11.18% → 11.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
A.C.P.E.'s nationwide photo peers by assets and by health score, excluding Wyoming charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($76.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wyoming credit unions compare overall before assuming this one is typical. Wyoming 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 A.C.P.E. financially healthy?
A.C.P.E. has a financial health score of 94/100 (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 #521 of 4,374; by total assets it ranks #2,059 of 4,374 nationally (same basis as /rankings/largest); and #13 of 18 within Wyoming. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.46% and delinquency rate of 0.68%.
How does A.C.P.E. compare to other credit unions?
94/100 is A.C.P.E.'s score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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.?
Federal credit unions like A.C.P.E. 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. A.C.P.E.'s net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does A.C.P.E. offer compared to banks?
Credit unions like A.C.P.E. 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 A.C.P.E. 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.