TellerScore

Headquartered in Mason City, Iowa, Ace Credit Union is a federally insured state-chartered credit union with $7.5M in total assets and $5.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1934.

Based on its Q2 2026 filing, Ace Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 12th. Its strongest component is capital cushion (100/100; 20.94%), and its lowest is earnings (52/100; 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.94%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity100/100
Loans ÷ shares: 27.6% · 0.7% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (92 → 89), mostly because the earnings component weakened by 6 points.

TellerScore
738495Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202495
Q3 202495
Q4 202494
Q1 202591
Q2 202592
Q3 202593
Q4 202593
Q1 202673
Q2 202689
Net worth ratio
7.00%13.97%20.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.53%
Q3 202420.10%
Q4 202419.74%
Q1 202518.94%
Q2 202519.54%
Q3 202519.75%
Q4 202520.34%
Q1 202620.41%
Q2 202620.94%
Delinquent loans (60+ days)
0.00%0.86%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20261.72%
Q2 20260.12%
Return on assets
0.45%0.91%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.36%
Q4 20241.26%
Q1 20250.89%
Q2 20250.94%
Q3 20251.08%
Q4 20251.16%
Q1 20260.45%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$7.5M20.94%0.12%0.80%27.6%
Q1 202673$7.6M20.41%1.72%0.45%27.5%
Q4 202593$7.6M20.34%0.00%1.16%27.1%
Q3 202593$7.7M19.75%0.00%1.08%26.8%
Q2 202592$7.6M19.54%0.00%0.94%28.5%
Q1 202591$7.8M18.94%0.00%0.89%28.9%
Q4 202494$7.4M19.74%0.00%1.26%32.8%
Q3 202495$7.1M20.10%0.00%1.36%37.2%
Q2 202495$7.2M19.53%0.00%1.36%39.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.94%
80th
Problem loans0.12%
79th
Net charge-offs0.00%
77th
Return on assets0.80%
58th
Loans to deposits27.6%
91st
Uninsured deposits0.7%
57th
Loan-loss reserves2.48%
92nd
Texas ratio0.1%
83rd

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Teamsters Local #238 Credit UnionCredit union Cedar Rapids, IA24 out of 100, Low$7.6M5.9%3.04%vs
Du Pont Employees Credit UnionCredit union Fort Madison, IA84 out of 100, Strong$6.8M11.8%0.00%vs
Allen Hospital Personnel Credit UnionCredit union Waterloo, IA77 out of 100, Strong$6.0M18.5%1.18%vs
Industrial Employees Credit UnionCredit union Centerville, IA91 out of 100, Very strong$9.2M22.2%0.05%vs
Polk County Credit UnionCredit union Des Moines, IA94 out of 100, Very strong$5.5M23.6%0.04%vs
Burlington Municipal Employees Credit UnionCredit union Burlington, IA80 out of 100, Strong$4.7M15.6%0.87%vs

Deposit insurance

Is my money safe at Ace Credit Union?

Yes. Ace Credit Union is a federally insured credit union (NCUA charter #64323). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.7% of shares and deposits ($41K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 20.94%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Ace Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ace Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64323
RSSD ID
526199
Primary regulator
State + NCUA
Established
1934
Headquarters
1028 14th St SE, Mason City, IA 50401
Employees
2

Quick answers

Ace Credit Union: common questions

Is Ace Credit Union NCUA insured?

Yes. Ace Credit Union is a federally insured credit union (NCUA charter #64323). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ace Credit Union's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ace Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mason City

InstitutionScoreAssetsCapitalProblem loansCompare
United Bank and Trust CompanyBank Hampton, IA97 out of 100, Very strong$228.4M14.8%0.00%vs
Citizens Community Credit UnionCredit union Fort Dodge, IA88 out of 100, Very strong$253.6M19.1%0.73%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
Cent Credit UnionCredit union Mason City, IA77 out of 100, Strong$166.0M12.7%0.20%vs
Iowa Heartland Credit UnionCredit union Mason City, IA77 out of 100, Strong$30.3M17.0%0.42%vs
Clear Lake Bank and Trust CompanyBank Clear Lake, IA75 out of 100, Strong$649.3M8.5%0.00%vs