# ACME
EASTLAKE, OH · NCUA charter 3447 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/acme-3447

Who the members are: federal charter, multiple common bond, organized 1939. 1,521 members of 3,798 potential (40.0% of the field); checking penetration 14% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *quiet fade*. 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 | $13.2M |
| Members | 1,521 (-24.3% YoY) |
| Full-time staff | 1 |
| Net worth | $2.8M |
| Net worth ratio | 21.5% (p79 of band) |
| ROA (annualized) | 0.20% (p32 of band) |
| Total delinquency | 0.41% (p41 of band) |
| Net charge-offs (annualized) | -0.33% (p6 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 63.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p41 of band) |
| Operating expense / assets | 3.76% (p54 of band) |
| Vehicles % of loans | 50% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.57% (p54 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 17% |
| Average share balance | $5,150 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $9,306 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | losing money |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | members leaving |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 4 | net worth falling, losing money |  |
| 2020-06 | 3 |  | losing money |
| 2020-09 | 4 | margin squeeze, loan book shrinking | net worth falling |
| 2020-12 | 2 |  | delinquency rising, loan book shrinking |
| 2021-03 | 5 | net worth falling, losing money, loan book shrinking |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 3 |  | net worth falling, loan book shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 1 |  | losing money, assets shrinking |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 3 | net worth falling |  |
| 2024-12 | 1 |  | delinquency rising, net worth falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | members leaving |
| 2025-09 | 2 | assets shrinking, members leaving |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-13 [Former Stow mattress store will become 7 17 Credit Union branch - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNN2xYUDQ4eklrQXJGYTdteDN1OFN0eXlIR2FCS2xDN1J0R045SndxY25WaDlHbG1HOVRFeTJDZHN3UUlQWmJfa1FmS1YtNXZhZXM3ZXpNbXpqU2VhRmFUZFlsdFpHRlRGeGZkYlFkRDZZVHpnaHJwZ3VGVnF5THc1N0lMRk9SSmNFbFcyMjFUQ29wY3lFUHdkTVdiVTVRVEdnQ18xcUVmY1BDeHdPWS1sVGJCTlpIVXF3WUdFblZWU3VLTUhMcjBaTmVmdlJVU2U0NTVZUVhnSHU3THhIX3c?oc=5) · Akron Beacon Journal
- 2026-02-17 [RubberDucks to become Akron Cream Stick Donuts on July 24 and 25 - MLB.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQcGxOZXVDdDd4S1plSkFfV1FLUmc5RjRCcGtaVlB0NnVZTi1tMzAyVzJBelJWRFNiX09FeE1XNUxzYWtiUnRDZExITUJNY1hKQ0dvNnZ6U1VjYWowXzNxVEt3YThYRDVWeE9KVy1MbHJLQXc1b21UVXYwYUZzNllMUzhZc2NCZnZySVZLS0REeHc4SlBh?oc=5) · MLB.com
- 2026-02-27 [RubberDucks announce 2026 Promotional Schedule - mlb.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNZEZjNWFtV0hQUU5zVkFhOE1kTDhwQk9IamJZQ2FuSlJsOEZhQ2JnMDJpeHMwd0NDX2pMNXBGMVNlNHQ1a1pidjRRU09ieVpORDNhWGo5YWFfUVZDRVRzRkJYYWtXUXZsNkRIQ1lHdnVoWEtXSmhTa0h6dXV5UHRnaXRMWDB1bFh3NGc?oc=5) · mlb.com
- 2026-01-02 [A Phoenixville shopping center sold for more than $7 million - Inquirer.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZ1VOeURMY2FpakFFTTJtdEVRWnBJX0xyV29LQ3dOckZJQzJPUmpHbGJFbkl3ekt0ODhVTXg3ZlVYRU9GZURaSmtYc0ZRMmFXMVE3YjVweDhzd1pfZE5qOVpua0hrR2ZtWWZZazJqZExPSmFPYWxIUlppZU9vQllvRjZ6b2J2OWFVdHYybHFhNzdXNGZHSzYxMFZqUzRzOFM1d2hHa3d6RDQ3dmZYOUhz?oc=5) · Inquirer.com
- 2018-04-30 [Friends & Family branches east to better serve customers - Massillon Independent](https://news.google.com/rss/articles/CBMiogFBVV95cUxNS0hpYXdkZzJLYnp2XzVobnpzblhRRW9CSEFqcHNVT3dSNHpQSEhEZ01sSlZ6M1VQcm9kSlpTMTBSOGc1cHEtd2VCWDJIRjNmM0c1UHZ2M2NoV1pwVWRFV25Xd3hDWkVFVkN2RXp0LV9BaFI5U21hcGdOOTlVU3M4dTVwb0RwY1l6THFkQi0zVFlFNUlFckxpMUdSVjNrbFFCb2c?oc=5) · Massillon Independent
- 2019-04-05 [Big bites of fresh-ground goodness at Cotati’s Acme Burger - The Press Democrat](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNY2RiOU9MTzVvRTdDbEVoaENLVWxqaUZZSGVmTXh5QW9xTXNqa1ZPQl9ZdWt2SlNVZ1pubEo2ZjMwM1FrRHBLZ0oxSmE1RGc3ZHNYamppaW9ubkd6ZWhhZjhGWEUwVnlaS0U4ZVQxeGE1ci1qRlRKLWFNMjBjYjRNaUI0dzNjREdQMUhOczBPUVJrREdPeldwYjlrQmw0UjF4aW5HdGFsMUZkdw?oc=5) · The Press Democrat
- 2025-05-07 [James G. Phillips Jr. - Jeff Monreal Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTE9aRDM1SDl6aktYMzRKTmdxVXA1OVJibFdMS1p5RV9tTEd5dVJZbzEzVnJaUHVYTHdqQUtYUjhuMU9NZ2hTel9hMy1JS1U0ektNR2lINXUtNmN6dmwteC11cXdpd3hiVkJzSTJ3NjhHWlRQZw?oc=5) · Jeff Monreal Funeral Home
- 2023-09-28 [The 12th Annual Food Fight to benefit the Stark County Hunger Task Force is ON! - News-Talk 1480 WHBC](https://news.google.com/rss/articles/CBMiogFBVV95cUxNeUlrXzgyTXdSWGVpVF9SQ19aVjFnaDBxb3VfMmJ5R3BvdElmZE9iQjhvNUtmMzdRNWF6VDhpZ05NU2ctN3oxY3d4X0U3bnJzaTlFTEhoZ245UjZ3eTg2ZmJ3QVJkYXUxOS1GR29VZXhWQXgtRktFUW1vMzlFYWRHR2VrOHJxSVFxNHhWME9aVkZmN3hGcTdyZDVjNUUyOUlNLXc?oc=5) · News-Talk 1480 WHBC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3447 (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/55.json (key "3447", 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=3447
- 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