BlastPoint's Credit Union Scorecard

ANECA

Charter #3212 · LA

100M-500M

1024 CUs in 100M-500M nationally 21 in LA

ANECA has 8 strengths but faces 7 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 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Strong member growth: 10.9% YoY
+ Loan-to-Share Ratio: Top 0.9% in tier
+ Deposit Growth Rate: Top 1.8% in tier
+ Asset Growth Rate: Top 2.1% in tier
+ Fee Income Per Member: Top 2.4% 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
- ROA 0.10% below tier average
- Efficiency ratio 1.96% above tier (higher cost structure)
- Delinquency rate 0.33% above tier average
- Share Certificate Concentration (%): Bottom 1.5% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
Shares and deposits +19.5% year over year ($191M in shares and deposits).
Membership: 11,329 members, +10.9% vs a year ago.
Delinquency rate 1.21%.
Return on assets 0.76%.
Efficiency ratio 78.69% vs a 76.73% peer average.
Loan-to-share ratio 107.24% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	11,329 +10.9% YoY+4.1% QoQ	-3.8K	15,168 -2.6% YoY	9,550 +2.7% YoY	34,678 +6.6% YoY	40%
Assets	$274.0M +17.6% YoY+2.3% QoQ	+$41.9M	$232.0M +0.7% YoY	$130.2M +7.1% YoY	$593.1M +10.2% YoY	69%
Loans	$204.7M +8.6% YoY-1.7% QoQ	+$58.4M	$146.3M +0.2% YoY	$92.6M +7.3% YoY	$418.6M +10.1% YoY	76%
Deposits	$190.9M +19.5% YoY+3.4% QoQ	$-9.8M	$200.7M +0.2% YoY	$111.6M +7.6% YoY	$504.8M +10.3% YoY	57%

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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	0.8% +84.8% YoY+17.3% QoQ	-0.1%	0.9% +12.5% YoY	1.1% +258.0% YoY	1.2% +121.4% YoY	50%
NIM	3.3% -0.9% YoY+1.8% QoQ	-0.4%	3.7% +4.5% YoY	4.2% -0.2% YoY	3.8% +2.3% YoY	27%
Efficiency Ratio	78.7% -8.5% YoY-3.4% QoQ	+2.0%	76.7% -0.8% YoY	89.3% +0.7% YoY	83.0% -5.3% YoY	54%
Delinquency Rate	1.2% +58.5% YoY+67.5% QoQ	+0.3	0.9% +6.6% YoY	2.0% +21.9% YoY	1.3% +2.6% YoY	78%
Loan To Share	107.2% -9.1% YoY-4.9% QoQ	+35.7%	71.5% -0.3% YoY	68.1% -2.7% YoY	66.4% -1.4% YoY	Top 1.0% in tier
AMR	$34,915 +2.5% YoY-3.2% QoQ	+$10K	$25,107 +3.2% YoY	$13,536 +2.7% YoY	$20,028 -0.9% YoY	Top 10.7% in tier
CD Concentration	50.5% +31.2% YoY+4.9% QoQ	+25.9%	24.6%	15.1%	20.0%	50%
Indirect Auto %	0.2% +45.5% QoQ	-13.4%	13.6%	5.1%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#18 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 10.86%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.19%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#69 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.86%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.76%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.19%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Relationship Depth Leader

growth

#216 of 262 • Top 50.0% 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): 2.49%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $1.7K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk

#13 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 107.24%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 8.64%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Credit Risk Growth

risk

#55 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.64%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.45% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#162 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.45% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (9 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 107.24%

Peer Median: 73.07%

#10 of 1024 Top 0.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 19.48%

Peer Median: 3.58%

#19 of 1024 Top 1.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 17.62%

Peer Median: 4.12%

#23 of 1024 Top 2.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $349.61

Peer Median: $159.88

#26 of 1024 Top 2.4% in 100M-500M tier

Member Growth Rate

growth

Value: 10.86%

Peer Median: -0.03%

#28 of 1024 Top 2.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,067

Peer Median: $9,434

#57 of 1024 Top 5.5% in 100M-500M tier

110

Average Member Relationship (AMR)

engagement

Value: $34,915

Peer Median: $23,006

#110 of 1024 Top 10.6% in 100M-500M tier

216

Loan Growth Rate

growth

Value: 8.64%

Peer Median: 3.02%

#216 of 1024 Top 21.0% in 100M-500M tier

241

Total Loans

balance_sheet

Value: $204.69M

Peer Median: $124.04M

#241 of 1024 Top 23.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1010

Share Certificate Concentration (%)

balance_sheet

Value: 50.46%

Peer Median: 23.39%

#1010 of 1024 Bottom 1.5% in 100M-500M tier

893

Members Per Employee (MPE)

engagement

Value: 231.204

Peer Median: 310.924

#893 of 1024 Bottom 12.9% in 100M-500M tier

799

Total Delinquency Rate (60+ days)

risk

Value: 1.21%

Peer Median: 0.71%

#799 of 1024 Bottom 22.1% in 100M-500M tier