BlastPoint's Credit Union Scorecard
ANECA
Charter #3212 · LA
ANECA has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Strong member growth: 11.7% YoY
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Fee Income Per Member: Top 2.4% in tier
- + Deposit Growth Rate: Top 2.9% in tier
- + Member Growth Rate: Top 3.5% in tier
- + Asset Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 3.45% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 2.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,887
+11.7% YoY+2.9% QoQ
|
-4.3K |
15,145
-2.5% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$267.7M
+14.4% YoY+5.5% QoQ
|
+$36.0M |
$231.7M
+0.8% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$208.2M
+10.0% YoY+4.3% QoQ
|
+$64.0M |
$144.1M
+0.2% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$184.7M
+15.7% YoY+7.8% QoQ
|
$-16.5M |
$201.1M
+0.4% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.7%
+15.7% YoY+80.1% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.2%
-1.2% YoY+0.3% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
81.5%
-1.3% YoY-5.7% QoQ
|
+3.4% |
78.0%
-1.7% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
0.7%
+11.5% YoY-54.8% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
112.7%
-4.9% YoY-3.3% QoQ
|
+42.3% |
70.4%
-0.4% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 0.4% in tier |
| AMR |
$36,081
+0.8% YoY+3.0% QoQ
|
+$11K |
$24,918
+2.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Top 8.6% in tier |
| CD Concentration |
48.1%
+28.7% YoY+9.1% QoQ
|
+23.8% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.1% | -13.7% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)