BlastPoint's Credit Union Scorecard
ANCO COMMUNITY
Charter #60184 · IL
ANCO COMMUNITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + AMR Growth Rate: Top 2.7% in tier
- + Net Charge-Off Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 80.16% above tier (higher cost structure)
- - Delinquency rate 2.09% above tier average
- - Member decline: -22.9% YoY
- - Net Worth Ratio: Bottom 0.6% in tier
- - Member Growth Rate: Bottom 1.5% in tier
- - Net Interest Margin (NIM): Bottom 8.5% in tier
- - Asset Growth Rate: Bottom 8.6% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits -5.5% year over year ($9.7M in shares and deposits).
- Membership: 1,458 members, -22.9% vs a year ago.
- Delinquency rate 3.64%.
- Return on assets 1.98%.
- Efficiency ratio 168.93% vs a 88.77% peer average.
- Loan-to-share ratio 44.84% vs a 58.89% 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,458
-22.9% YoY-26.2% QoQ
|
-1.1K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$10.2M
-7.5% YoY-5.9% QoQ
|
$-20.1M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$4.4M
-9.4% YoY-8.3% QoQ
|
$-11.1M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$9.7M
-5.5% YoY-5.7% QoQ
|
$-16.1M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
2.0%
+508.1% YoY-205.2% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 9.8% in tier |
| NIM |
2.6%
+7.6% YoY-2.6% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
168.9%
+49.9% YoY+5.3% QoQ
|
+80.2% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.9% in tier |
| Delinquency Rate |
3.6%
-39.2% YoY-34.8% QoQ
|
+2.1 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.3% in tier |
| Loan To Share |
44.8%
-4.1% YoY-2.8% QoQ
|
-14.0% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$9,663
+21.0% YoY+26.7% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
28.5%
-22.1% YoY-11.8% QoQ
|
+3.9% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)