# A.C.P.E.
Laramie, WY · NCUA charter 11867 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/a-c-p-e-11867

Who the members are: federal charter, community charter, organized 1957, low-income designated. 4,750 members of 25,000 potential (19.0% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $77.1M |
| Members | 4,750 (1.4% YoY) |
| Full-time staff | 14 |
| Net worth | $8.8M |
| Net worth ratio | 11.5% (p35 of band) |
| ROA (annualized) | 1.68% (p90 of band) |
| Total delinquency | 0.49% (p42 of band) |
| Net charge-offs (annualized) | 0.12% (p35 of band) |
| Loans / shares | 68% (p64 of band) |
| Cash / assets | 36.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p70 of band) |
| Operating expense / assets | 2.51% (p15 of band) |
| Vehicles % of loans | 68% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 271% (p96 of band) |
| Vehicle delinquency | 0.71% (p58 of band) |
| Vehicle NCO | 0.18% (p48 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 9% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 17% |
| Average share balance | $7,923 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $18,206 |
| Loans granted, annualized | $14.1M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 4 | auto monoline |  |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 3 |  | net worth falling, delinquency rising |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | delinquency 2x band | thin capital |
| 2019-09 | 2 |  | delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | thin capital |  |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 4 | margin squeeze | auto monoline |
| 2021-03 | 5 | auto monoline |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 | members leaving | net worth falling |
| 2021-12 | 2 |  | margin squeeze, auto monoline, members leaving |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | auto monoline |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 2025-04-10 [America's Best Regional Banks and Credit Unions 2025 - Wyoming - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxPWFc3UFV0MzkweGxPQ21iN21kV3FxQWdQMUE4TzBObHY0QXdha3p3c2J4aUJOSmpkbE1jYWdtVjJGaVBxSDh2dWNEMThWWXM3QVpJM0FOamZWOXM3ZS1zbllnREJRMjMzYVRkYlc4RW5Nelc0M2FhTlU1X1hCTE5jUkVoVE1XUldfTkxxZmJR?oc=5) · Newsweek Rankings
- 2023-02-16 [Richard Sopr Obituary (2013) - Laramie, WY - North Platte Telegraph - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNclZRbk51UG1UTzFlVlNnd2REOUJHN1BkejdtS2ctRjVoMkFYbWVPdUQtbzQ1Skt1WmJhUWJ3U1h2RG8xNGlQSjV1bkFkYzZRNGxOa05EZ0xnQ0FfenFkam9MUm5IcTNLdE5vaGRpdFRjcjIzb0dKS1FTU0c0V3JKNDVCY2ZLWnk0UEpjc2VrSmM?oc=5) · Legacy obituary
- 2018-01-22 [Send Your Valentines from Loveland - Laramie Live](https://news.google.com/rss/articles/CBMia0FVX3lxTFBmbExpenRVMG1wM2M4TnFyT2xhVjhveFRORHAzYXowTnhvWGJMX3RMRXdlZ0V4cU96NXhXR3VNWkZpbkxEN1luVEt6Um9QR2NDdEh0ay1LRWNvU2RIcTEzaXZtakJDWFREVERr?oc=5) · Laramie Live
- 2023-11-04 [What's happening, Nov. 4, 2023 - WyomingNews.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNakQ5WjNZOVQzRk9lenA0SFB5UlRMeTdzQ3hpTlZ3WWNNelBraWkxWUVxbU9VanNrbnFYZmk0bkh2aXF0S1JSckQ2S3hBSEcwN3ZaN05uVXpXaU80cHZYYUpXeEdQUk5TM0d0MTZTNU1rX3RKbFNPN09DUXozSUhrZlpfR1l5Rk5ScFR4SXVUdFhUaGs3RWpJOEIwYjZoejZkbDZFWjNIM3hHYkh6dkZCUXo0Si16X01iU0NReUN3NmJnZlhycEk0bmNoazR6YmNp?oc=5) · WyomingNews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11867 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/27.json (key "11867", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11867
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide