BlastPoint's Credit Union Scorecard
ANCO COMMUNITY
Charter #60184 · IL
2556 CUs in <100M nationally
138 in IL
ANCO COMMUNITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 32.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.0% in tier
- + Deposit Growth Rate: Top 4.5% in tier
- + Asset Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.61% below tier average
- - Efficiency ratio 42.42% above tier (higher cost structure)
- - Delinquency rate 3.17% above tier average
- - Net Worth Ratio: Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.8% in tier
- - Share Certificate Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,333
+32.9% YoY+22.9% QoQ
|
-282 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$12.1M
+11.6% YoY+7.5% QoQ
|
$-18.1M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$5.0M
-1.4% YoY+2.1% QoQ
|
$-10.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$11.5M
+14.1% YoY+9.5% QoQ
|
$-14.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
-1.0%
+142.0% YoY-1130.9% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.7% in tier |
| NIM |
2.3%
-19.1% YoY-12.8% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio |
125.0%
+11.5% YoY+27.0% QoQ
|
+42.4% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
4.7%
-23.1% YoY+16.6% QoQ
|
+3.2 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 6.8% in tier |
| Loan To Share |
43.5%
-13.6% YoY-6.7% QoQ
|
-17.1% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$7,079
-18.0% YoY-12.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
37.1%
+4.5% YoY+3.0% QoQ
|
+12.7% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
27
Member Growth Rate
growth
Value:
32.86%
Peer Median: -
#27 of 2556
Top 1.0% in <100M tier
115
Deposit Growth Rate
growth
Value:
14.10%
Peer Median: -
#115 of 2556
Top 4.5% in <100M tier
163
Asset Growth Rate
growth
Value:
11.64%
Peer Median: -
#163 of 2556
Top 6.3% in <100M tier
467
Members Per Employee (MPE)
engagement
Value:
466.600
Peer Median: -
#467 of 2556
Top 18.2% in <100M tier
Top Weaknesses (11 metrics)
2543
Net Worth Ratio
risk
Value:
4.92%
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2499
AMR Growth Rate
growth
Value:
-18.04%
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2470
Efficiency Ratio
profitability
Value:
124.98%
Peer Median: -
#2470 of 2556
Bottom 3.4% in <100M tier
2411
Return on Assets (ROA)
profitability
Value:
-0.99%
Peer Median: -
#2411 of 2556
Bottom 5.7% in <100M tier
2399
Net Interest Margin (NIM)
profitability
Value:
2.31%
Peer Median: -
#2399 of 2556
Bottom 6.2% in <100M tier
2382
Total Delinquency Rate (60+ days)
risk
Value:
4.73%
Peer Median: -
#2382 of 2556
Bottom 6.8% in <100M tier
2305
Share Certificate Concentration (%)
balance_sheet
Value:
37.10%
Peer Median: -
#2305 of 2556
Bottom 9.9% in <100M tier
2225
Net Charge-Off Rate
risk
Value:
1.16%
Peer Median: -
#2225 of 2556
Bottom 13.0% in <100M tier
2181
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,145
Peer Median: -
#2181 of 2556
Bottom 14.7% in <100M tier
2167
Average Member Relationship (AMR)
engagement
Value:
$7,079
Peer Median: -
#2167 of 2556
Bottom 15.3% in <100M tier