Acume

PO Box 680
Moorestown, NJ 08057
1 877 228-6344
www.acumecu.org

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Acume is headquartered in Moorestown and is the 146^th largest credit union in the state of New Jersey. It is also the 5,726^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to employees and 792 members. Acume's money market rates are 36% higher than the national average, and it has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Acume Checking Account Rates

Apy	Min	Max	Product
0.65%	$25k	-	Gold Checking Account
0.60%	$2,500	-	Silver Checking Account

Acume Savings Account Rates

Apy	Min	Max	Product
0.15%	$5k	-	Primary Savings Accounts
0.15%	$5k	-	Member Savings
0.15%	$5k	-	Statement Savings
0.15%	$5k	-	Other Savings
0.15%	$5k	-	Corporate Accounts
0.15%	$5k	-	Personal Savings
0.05%	$25	-	Holiday Club
0.05%	$25	-	Vacation Club

Acume Money Market Rates

Apy	Min	Max	Product
0.70%	$50k	-	IRA Money Market Account
0.70%	$50k	-	Roth IRA Money Market Account
0.70%	$50k	-	Coverdell ESA Money Market Account
0.70%	$50k	-	SEP IRA Money Market Account
0.65%	$25k	-	Gold Money Market Savings Account
0.60%	$2,500	-	Silver Money Market Savings Account

Acume CD Rates

Apy	Min	Max	Product
1.21%	$50k	-	60 Month Share Certificate
1.11%	$50k	-	48 Month Share Certificate
0.90%	$50k	-	30 Month Share Certificate
0.90%	$50k	-	36 Month Share Certificate
0.65%	$50k	-	24 Month Share Certificate
0.60%	$50k	-	18 Month Share Certificate
0.55%	$50k	-	12 Month Share Certificate
0.40%	$50k	-	9 Month Share Certificate
0.35%	$50k	-	6 Month Share Certificate
0.25%	$50k	-	3 Month Share Certificate

Acume IRA Rates

Apy	Min	Max	Product
1.21%	$50k	-	60 Month IRA Certificate
1.21%	$50k	-	60 Month Roth IRA Certificate
1.21%	$50k	-	60 Month CESA Certificate
1.21%	$50k	-	60 Month SEP IRA Certificate
1.11%	$50k	-	48 Month IRA Certificate
1.11%	$50k	-	48 Month Roth IRA Certificate
1.11%	$50k	-	48 Month CESA Certificate
1.11%	$50k	-	48 Month SEP IRA Certificate
0.90%	$50k	-	36 Month IRA Certificate
0.90%	$50k	-	30 Month Roth IRA Certificate
0.90%	$50k	-	36 Month Roth IRA Certificate
0.90%	$50k	-	30 Month CESA Certificate
0.90%	$50k	-	36 Month CESA Certificate
0.90%	$50k	-	30 Month IRA Certificate
0.90%	$50k	-	36 Month SEP IRA Certificate
0.65%	$50k	-	24 Month IRA Certificate
0.65%	$50k	-	24 Month Roth IRA Certificate
0.65%	$50k	-	24 Month CESA Certificate
0.65%	$50k	-	24 Month SEP IRA Certificate
0.60%	$50k	-	18 Month IRA Certificate
0.60%	$50k	-	18 Month Roth IRA Certificate
0.60%	$50k	-	18 Month CESA Certificate
0.60%	$50k	-	18 Month SEP IRA Certificate
0.55%	$50k	-	12 Month IRA Certificate
0.55%	$50k	-	12 Month Roth IRA Certificate
0.55%	$50k	-	12 Month CESA Certificate
0.55%	$50k	-	12 Month SEP IRA Certificate
0.40%	$50k	-	9 Month IRA Certificate
0.40%	$50k	-	9 Month Roth IRA Certificate
0.40%	$50k	-	9 Month CESA Certificate
0.40%	$50k	-	9 Month SEP IRA Certificate
0.35%	$50k	-	6 Month IRA Certificate
0.35%	$50k	-	6 Month Roth IRA Certificate
0.35%	$50k	-	6 Month CESA Certificate
0.35%	$50k	-	6 Month SEP IRA Certificate
0.25%	$50k	-	3 Month IRA Certificate
0.25%	$50k	-	3 Month Roth IRA Certificate
0.25%	$50k	-	3 Month CESA Certificate
0.25%	$50k	-	3 Month SEP IRA Certificate

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

ACUME
NCUA #	66233
BankRate Report	View
Year Chartered	1957
Employees	0
Primary Regulator
Assets and Liabilities
Assets	$4.18 million
Loans	$1.55 million
Deposits	$3.70 million
Equity Capital	$395,000
Loan Loss Allowance	$47,000
Unbacked Noncurrent Loans	$19,000
Historic Data - December 2010
Assets	$4.58 million
Equity Capital	$442,000
Loan Loss Allowance	$31,000
Unbacked Noncurrent Loans	$19,000
Profit Margin - Quarterly
Net Interest Margin	7.55%
Return on Assets	-0.81%
Return on Equity	-8.61%
Interest Income	$166,000
Non-Interest Income	$4,000

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Acume had $19,000 in non-current loans and owned real-estate with $442,000 in equity and loan loss allowances on hand to cover it. This gives Acume a Texas Ratio of 4.30% 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 held steady from 4.02% as of December 31, 2010 to 4.30% as of December 31, 2011, resulting in a negative change of 7.01%. This indicates that the balance sheet and financial strength for Acume has held steady in recent periods.
Deposit Growth
In the past year, Acume has decreased its total deposits by $-469,000, resulting in -11.26% 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 poor.
Capitalization
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 $4.18 million in assets with $442,000 in equity, resulting in a capitalization level of 10.58%, which is above average.