Credit Union Safety Analysis
Is A C E Credit Union Safe? Mason City, Iowa
Based on its Q2 2026 NCUA 5300 call report, A C E Credit Union has a net worth ratio of 20.94%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.12%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, A C E Credit Union's net worth ratio is 20.94%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.94%
- Delinquency ratio (60+ days) (Q2 2026): 0.12%
- Return on assets (Q2 2026): 1.16%
- Loan-to-share ratio (Q2 2026): 27.59%
A C E Credit Union (NCUA charter 64323, established 1934) reported $7.5M in assets and 762 members for Q2 2026 from Mason City, Iowa. It ranks 54 of 65 credit unions in Iowa by total assets. Total assets fell 1.5% from $7.6M on June 30, 2025. It has 23 fewer members than on June 30, 2025 (-2.9%). Its net worth ratio was up 1.40 percentage points from 19.54% on June 30, 2025. Used vehicle loans are its largest loan category, $607K of $1.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.12% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 20.41% for Q1 2026; 19.54% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.72% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.45% for Q1 2026; 0.98% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 27.48% for Q1 2026; 28.50% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $607K
- New vehicle loans: $576K
- 1- to 4-family residential and other consumer real estate loans: $343K
- Other unsecured loans and lines of credit: $87K
- Other secured non-real estate loans and lines of credit: $25K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.5M | 20.94% | 0.12% | 1.16% | 27.59% |
| March 31, 2026 | $7.6M | 20.41% | 1.72% | 0.45% | 27.48% |
| December 31, 2025 | $7.6M | 20.34% | — | 1.39% | 27.11% |
| September 30, 2025 | $7.7M | 19.75% | — | 1.35% | 26.82% |
| June 30, 2025 | $7.6M | 19.54% | — | 0.98% | 28.50% |
| March 31, 2025 | $7.8M | 18.94% | — | 0.89% | 28.92% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 64323) · FFIEC NIC profile (RSSD 526199)
Frequently asked questions
Is A C E Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, A C E Credit Union's net worth ratio is 20.94%, above the 7% NCUA threshold for well capitalized.
Is A C E Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. A C E Credit Union is a federally insured credit union (NCUA charter 64323): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are A C E Credit Union's key safety ratios?
For Q2 2026, A C E Credit Union reports net worth 20.94%, delinquency 0.12%, ROA 1.16%, loan-to-share 27.59%.
What happens to my money if A C E Credit Union fails?
For Q2 2026, A C E Credit Union held $5.9M in shares and deposits for 762 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.