BlastPoint's Credit Union Scorecard

ANECA

Charter #3212 · LA

1069 CUs in 100M-500M nationally 21 in LA

ANECA has 9 strengths but faces 12 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 9.4% in tier
+ Organic Growth Engine: Top 35.3% in tier
+ Strong member growth: 8.1% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Fee Income Per Member: Top 1.9% in tier
+ Member Growth Rate: Top 4.5% in tier
+ Loan-to-Member Ratio (LMR): Top 4.7% in tier
+ Average Member Relationship (AMR): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.5% in tier
- Liquidity Strain: Bottom 15.0% in tier
- Shrinking Wallet Share: Bottom 35.8% in tier
- Credit Risk Growth: Bottom 36.3% in tier
- Wealth Migration Risk: Bottom 52.6% in tier
- Efficiency Drag: Bottom 77.3% in tier
- ROA 0.40% below tier average
- Efficiency ratio 9.34% above tier (higher cost structure)
- Delinquency rate 0.70% above tier average
- Share Certificate Concentration (%): Bottom 3.8% in tier
- AMR Growth Rate: Bottom 5.9% in tier
- Members Per Employee (MPE): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	10,582 +8.1% YoY+1.5% QoQ	-4.9K	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	34%
Assets	$253.8M +7.4% YoY+3.5% QoQ	+$21.9M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	64%
Loans	$199.6M +3.2% YoY+2.4% QoQ	+$52.3M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	75%
Deposits	$171.2M +5.1% YoY+0.1% QoQ	$-29.6M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% 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	0.4% +310.5% YoY-22.6% QoQ	-0.4%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	22%
NIM	3.2% +5.7% YoY-2.6% QoQ	-0.4%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	27%
Efficiency Ratio	86.4% -3.9% YoY+1.7% QoQ	+9.3%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	81%
Delinquency Rate	1.6% +64.9% YoY+20.6% QoQ	+0.7	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	Top 12.0% in tier
Loan To Share	116.6% -1.8% YoY+2.3% QoQ	+44.3%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	Top 0.2% in tier
AMR	$35,044 -3.7% YoY-0.1% QoQ	+$10K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	Top 9.4% in tier
CD Concentration	44.1% +19.6% YoY+6.7% QoQ	+19.7%	24.4%	15.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#41 of 426 • Top 9.4% in tier

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

Why This Signature

Member Growth (YoY): 8.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#211 of 595 • Top 35.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.36%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#89 of 705 • Bottom 12.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.63% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Strain

risk

#35 of 228 • Bottom 15.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 116.58%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.25%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#75 of 208 • Bottom 35.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.69%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Credit Risk Growth

risk

#166 of 456 • Bottom 36.3% in tier

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

Why This Signature

Loan Growth (YoY): 3.25%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.63% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Wealth Migration Risk

decline

#11 of 20 • Bottom 52.6% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $35.0K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -3.69%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

→ No prior data (20 CUs now) | New qualifier

Efficiency Drag

risk

#416 of 538 • Bottom 77.3% in tier

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

Why This Signature

Efficiency Ratio: 86.36%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.27% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 8.08%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 116.58%

Peer Median: -

#2 of 1069 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $365.58

Peer Median: -

#21 of 1069 Top 1.9% in 100M-500M tier

Member Growth Rate

growth

Value: 8.08%

Peer Median: -

#49 of 1069 Top 4.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,863

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

101

Average Member Relationship (AMR)

engagement

Value: $35,044

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

267

Total Loans

balance_sheet

Value: $199.61M

Peer Median: -

#267 of 1069 Top 24.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1029

Share Certificate Concentration (%)

balance_sheet

Value: 44.09%

Peer Median: -

#1029 of 1069 Bottom 3.8% in 100M-500M tier

1007

AMR Growth Rate

growth

Value: -3.69%

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

986

Members Per Employee (MPE)

engagement

Value: 215.959

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier

942

Total Delinquency Rate (60+ days)

risk

Value: 1.59%

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

871

Efficiency Ratio

profitability

Value: 86.36%

Peer Median: -

#871 of 1069 Bottom 18.6% in 100M-500M tier

836

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier