Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
P.O. Box 680
Moorestown, NJ 08057

Acume is headquartered in Moorestown and is the 142nd largest credit union in the state of New Jersey. It is also the 5,385th largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 672 members. Acume has a C health rating.

Field of Membership Restrictions

You are eligible to join if you work or are retired from Moorestown Lockheed Martin. Also family or household members are eligible to join, even if the eligible relative is not a credit union member. Any family member of an existing credit union member of ACUME Credit Union is also eligible to join. - See Details

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Acume has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Acume had $13,000 in non-current loans and owned real-estate with $393,000 in equity and loan loss allowances on hand to cover it. This gives Acume a Texas Ratio of 3.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Acume experienced no significant changes from 2.55% as of March 31, 2013 to 3.31% as of March 31, 2014, resulting in a negative change of 29.61%. This indicates that the balance sheet and financial strength for Acume has had no significant changes in recent periods.

Deposit Growth


In the past year, Acume has decreased its total deposits by $-202,000, resulting in -4.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Acume has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Acume has $4.51 million in assets with $393,000 in equity, resulting in a capitalization level of 8.70%, which is average.

Institution Statistics

NCUA #66233
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$4.52 million
Loans$1.16 million
Deposits$4.15 million
Equity Capital$364,000
Loan Loss Allowance$29,000
Unbacked Noncurrent Loans$13,000
Real Estate Owned$0
Historic Data - March 2013
Assets$4.75 million
Equity Capital$392,000
Loan Loss Allowance$39,000
Unbacked Noncurrent Loans$13,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.89%
Return on Equity-10.99%
Interest Income$25,000
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Acume, we are a rate comparison website and can not provide official rates or promotions.

Acume Savings Account Rates

0.05%$1k-Primary Savings
0.05%$1k-Member Savings
0.05%$1k-Statement Savings
0.05%$1k-Other Savings
0.05%$1k-Corporate Account
0.05%$1k-Personal Savings
0.05%$100-Holiday Club
0.05%$100-Vacation Club

Acume Money Market Rates

0.25%$50k-IRA Money Market Account
0.25%$50k-Roth IRA Money Market Account
0.25%$50k-Coverdell ESA Money Market Account
0.25%$50k-SEP IRA Money Market Account
0.20%$25k-Gold Money Market Checking Account
0.20%$25k-Gold Money Market Savings Account
0.10%$2,500-Silver Money Market Checking Account
0.10%$2,500-Silver Money Market Savings Account

Acume CD Rates

0.75%$1k-60 Month Share Certificate
0.70%$50k-48 Month Share Certificate
0.50%$50k-36 Month Share Certificate
0.40%$50k-24 Month Share Certificate
0.40%$50k-30 Month Share Certificate
0.35%$50k-18 Month Share Certificate
0.30%$50k-12 Month Share Certificate
0.25%$50k-9 Month Share Certificate
0.10%$1k-3 Month Share Certificate
0.10%$1k-6 Month Share Certificate

Acume IRA Rates

0.75%$1k-60 Month IRA Certificate
0.70%$50k-48 Month IRA Certificate
0.50%$50k-36 Month IRA Certificate
0.40%$50k-24 Month IRA Certificate
0.35%$50k-18 Month IRA Certificate
0.30%$50k-12 Month IRA Certificate
0.25%$50k-9 Month IRA Certificate
0.10%$1k-3 Month IRA Certificate
0.10%$1k-6 Month IRA Certificate

Acume Locations
Branch Office144 W Route 38Moorestown, NJ 08057
Branch Office199 Bortons Landing Rd MS 105-010Moorestown, NJ 08057