# ACIPCO
BIRMINGHAM, AL · NCUA charter 16500 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/acipco-16500

Who the members are: federal charter, manufacturing (single sponsor), organized 1964. 8,117 members of 10,000 potential (81.2% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $211.9M |
| Members | 8,117 (-7.1% YoY) |
| Full-time staff | 19 |
| Net worth | $30.6M |
| Net worth ratio | 14.4% (p86 of band) |
| ROA (annualized) | 2.12% (p98 of band) |
| Total delinquency | 0.10% (p6 of band) |
| Net charge-offs (annualized) | 0.05% (p8 of band) |
| Loans / shares | 73% (p47 of band) |
| Cash / assets | 15.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.52% (p48 of band) |
| Operating expense / assets | 2.02% (p4 of band) |
| Vehicles % of loans | 23% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.33% (p30 of band) |
| Vehicle NCO | 0.04% (p10 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 30% |
| Average share balance | $11,376 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $26,576 |
| Loans granted, annualized | $33.5M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | repo signal |  |
| 2017-06 | 1 | delinquency rising | repo signal |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | loans>95% of shares |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | delinquency rising | loans>95% of shares |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | delinquency rising, leaning on borrowings |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 | delinquency rising | leaning on borrowings |
| 2023-06 | 2 | leaning on borrowings |  |
| 2023-09 | 1 |  | leaning on borrowings |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | net worth falling | delinquency rising |
| 2024-06 | 0 |  | net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | net worth falling, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | members leaving |  |

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

- 2018-02-07 [Apple Pay now supports 26 more US banks - PhoneArena](https://news.google.com/rss/articles/CBMisAFBVV95cUxOT2NCOFVOVWN6T0tEQ19Nd3VXU1VIQU9UUmoyR25GVTFUbk9EOVJ3c1h4N1ZfalJKQURpQVdBVzRZa2lVX2JaTjVKT2pzQUttVFpHUzhuWjNsc0ZFaUVLQ244VkNDZGtYemh3ekItRmNpMW0taHdOdll4VXdXTzNkQzN0YTlVOFU1TW1qT2Z1UG44Z0xkMmhnT2QzUjFGblhPbWRoWXJ4a1E2TmpyeWhRWQ?oc=5) · PhoneArena
- 2024-03-14 [‘She was full of life’: Mother of Mahogany Jackson speaks on her child’s death - WKRG](https://news.google.com/rss/articles/CBMiowFBVV95cUxQVkpRbGFJbENTWFdmaEs3MFhEUzh2MllQRFZBYTgtY1A5amJsUXZJZVViV0ZGYTJDMnh3WGFHcXlrdWFLR1d3VTdKaVFjeTZuQUJ0ZnBwTlZSRFNEN1RJQUVwWTNtTnpNS0JuLW0zM3RtTldERV8xdFhuclc3N2tTTHdXYXR3MnU2V2daVzNtS3FQWnByX3FIX29Nd0dndlpILTJF0gGoAUFVX3lxTFA2VWFFN21UNjRiZm9vdEZiSDlCNzVpQzJIb01lV1FSdURmQzVvcjlvV3NFVWQzc0lhcUlJX285T1dPaFVRUWtOX3htRjNJYmZKSDR6ZlZHbjBGR2JGZDdUVzlUYXI0MXIwVVVzMFlTOXlEcHIyZFgzSTJFM0d3Smc0S0laamxBZExJT2p4M1NTaENrV3dXLW1feFphVkxBZ1F3SjRsTUZtbQ?oc=5) · WKRG
- 2004-10-06 [James B. Whitehead Sr. - AL.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMFotSExzdDJid244eDJGakhwcXB5WkJ0Szk0Wm5DOHkta2NsZElsR21CQ2xFSGRrQWsta0RaSXBRVHg2VEhmcTNNSzRYNUUtS2RPUmRFc0I4WXVtYjFHNDgzeUpkYTA5b1dUYl85bHg5M0tPT2trMzlxMF82bEJBUEdXbF9EWmZZcENxcXFYVTM?oc=5) · AL.com
- 2023-01-26 [Benjamin Tingle Obituary - Homewood, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNdWlrNXcxdG96MVVhdGVaeUxxQjBQdFdVbVpUM0hMR0YtaUlZeC1Nc25aV2Y1X0xQNnE4czNZUVNLVWg3VEEtZmpCWkdYX0JuNG0zZ2ItUUlWbkVKNEgtdW9sRnI2VDkwRTBDR011cGlBMG5zSjJ0NEk2LXBaT1hCUU41SzdMQQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16500 (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/52.json (key "16500", 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=16500
- 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