BlastPoint's Credit Union Scorecard

ANECA

Charter #3212 · LA

1077 CUs in 100M-500M nationally 22 in LA

ANECA has 8 strengths but faces 9 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 7.1% in tier
+ Organic Growth Engine: Top 14.5% in tier
+ Relationship Depth Leader: Top 78.1% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 0.2% in tier
+ Fee Income Per Member: Top 2.0% in tier
+ Loan-to-Member Ratio (LMR): Top 4.5% in tier
+ Average Member Relationship (AMR): Top 8.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.9% in tier
- Credit Quality Pressure: Bottom 2.1% in tier
- Credit Risk Growth: Bottom 4.1% in tier
- Efficiency Drag: Bottom 23.3% in tier
- ROA 0.32% below tier average
- Efficiency ratio 7.64% above tier (higher cost structure)
- Delinquency rate 0.46% above tier average
- Share Certificate Concentration (%): Bottom 5.7% in tier
- Members Per Employee (MPE): Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	10,425 +4.6% YoY+2.0% QoQ	-5.2K	15,628 -3.4% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	32%
Assets	$245.2M +6.4% YoY+5.3% QoQ	+$13.9M	$231.3M -0.0% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	62%
Loans	$194.8M +6.6% YoY+3.4% QoQ	+$47.0M	$147.8M -1.4% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	74%
Deposits	$171.0M +8.2% YoY+7.0% QoQ	$-29.3M	$200.3M -0.0% YoY	$103.9M +6.5% YoY	$464.6M +9.3% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +140.7% YoY+13.0% QoQ	-0.3%	0.8% +15.5% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	30%
NIM	3.3% +7.4% YoY-0.4% QoQ	-0.3%	3.6% +6.9% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	33%
Efficiency Ratio	84.9% -4.8% YoY-1.2% QoQ	+7.6%	77.3% -3.0% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	1.3% +253.7% YoY+73.6% QoQ	+0.5	0.9% +7.6% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	81%
Loan To Share	113.9% -1.5% YoY-3.4% QoQ	+41.2%	72.7% -1.5% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	Top 0.3% in tier
AMR	$35,092 +2.6% YoY+3.0% QoQ	+$11K	$24,363 +2.9% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	Top 8.8% in tier
CD Concentration	41.3% +16.1% YoY+7.4% QoQ	+16.9%	24.4% +4.2% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#95 of 430 • Top 7.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.61%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#266 of 603 • Top 14.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.61%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.47%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#201 of 257 • Top 78.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.62%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $1.8K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#16 of 258 • Bottom 1.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 113.94%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.61%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#52 of 736 • Bottom 2.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.95% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#62 of 446 • Bottom 4.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.61%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.95% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk

#412 of 521 • Bottom 23.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.92%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.27% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 4.61%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 113.94%

Peer Avg: -

#3 of 1077 Top 0.2% in 100M-500M tier

Fee Income Per Member

profitability

Value: $366.97

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,689

Peer Avg: -

#49 of 1077 Top 4.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,092

Peer Avg: -

#95 of 1077 Top 8.7% in 100M-500M tier

113

Member Growth Rate

growth

Value: 4.61%

Peer Avg: -

#113 of 1077 Top 10.4% in 100M-500M tier

209

Deposit Growth Rate

growth

Value: 8.20%

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1017

Share Certificate Concentration (%)

balance_sheet

Value: 41.31%

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

1005

Members Per Employee (MPE)

engagement

Value: 212.755

Peer Avg: -

#1005 of 1077 Bottom 6.8% in 100M-500M tier

874

Total Delinquency Rate (60+ days)

risk

Value: 1.32%

Peer Avg: -

#874 of 1077 Bottom 18.9% in 100M-500M tier

822

Efficiency Ratio

profitability

Value: 84.92%

Peer Avg: -

#822 of 1077 Bottom 23.8% in 100M-500M tier