BlastPoint's Credit Union Scorecard

ANCORUM

Charter #67993 · ME

100M-500M

1024 CUs in 100M-500M nationally 33 in ME

ANCORUM has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.49% above tier average
+ Fee Income Per Member: Top 1.7% in tier
+ Total Members: Top 6.1% in tier
+ Total Loans: Top 8.3% in tier
+ Total Deposits: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.28% below tier average
- Efficiency ratio 12.51% above tier (higher cost structure)

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 33 that size in Maine.
Shares and deposits +1.1% year over year ($356M in shares and deposits).
Membership: 30,591 members, -1.1% vs a year ago.
Delinquency rate 1.60%.
Return on assets 0.59%.
Efficiency ratio 89.25% vs a 76.73% peer average.
Loan-to-share ratio 79.66% 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 (ME)	National Avg	Tier Percentile
Members	30,591 -1.1% YoY+0.1% QoQ	+15.4K	15,168 -2.6% YoY	16,125 +1.5% YoY	34,678 +6.6% YoY	Top 6.2% in tier
Assets	$401.8M +1.3% YoY-1.0% QoQ	+$169.8M	$232.0M +0.7% YoY	$282.5M +5.4% YoY	$593.1M +10.2% YoY	Top 10.7% in tier
Loans	$283.6M -2.8% YoY-0.1% QoQ	+$137.3M	$146.3M +0.2% YoY	$195.0M +5.1% YoY	$418.6M +10.1% YoY	Top 8.4% in tier
Deposits	$356.0M +1.1% YoY-1.2% QoQ	+$155.3M	$200.7M +0.2% YoY	$246.1M +4.8% YoY	$504.8M +10.3% YoY	Top 9.0% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +150.9% YoY-57.7% QoQ	-0.3%	0.9% +12.5% YoY	0.8% -4.3% YoY	1.2% +121.4% YoY	35%
NIM	4.2% +5.3% YoY+2.4% QoQ	+0.5%	3.7% +4.5% YoY	3.6% +1.9% YoY	3.8% +2.3% YoY	79%
Efficiency Ratio	89.2% -3.9% YoY+11.3% QoQ	+12.5%	76.7% -0.8% YoY	78.1% +1.5% YoY	83.0% -5.3% YoY	Bottom 13.0% in tier
Delinquency Rate	1.6% +82.0% YoY+208.3% QoQ	+0.7	0.9% +6.6% YoY	0.9% +26.9% YoY	1.3% +2.6% YoY	Bottom 11.8% in tier
Loan To Share	79.7% -3.8% YoY+1.1% QoQ	+8.1%	71.5% -0.3% YoY	74.1% -1.3% YoY	66.4% -1.4% YoY	64%
AMR	$20,908 +0.5% YoY-0.8% QoQ	$-4K	$25,107 +3.2% YoY	$26,047 +3.5% YoY	$20,028 -0.9% YoY	37%
CD Concentration	18.7% -9.4% YoY-0.0% QoQ	-5.8%	24.6%	25.5%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	16.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#79 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): 0.72% 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

Efficiency Drag

risk

#142 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 89.25%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.35% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -1.09%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#231 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.09%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.76%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.60%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Flatlined Growth

risk

#23 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.28%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.59%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

Institutional Decline

decline

#165 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $401.76M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -1.09%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.76%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#449 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.09%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $375.05

Peer Median: $159.88

#18 of 1024 Top 1.7% in 100M-500M tier

Total Members

engagement

Value: 30,591

Peer Median: 13,128

#63 of 1024 Top 6.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $283.59M

Peer Median: $124.04M

#86 of 1024 Top 8.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $356.02M

Peer Median: $170.77M

#92 of 1024 Top 8.9% in 100M-500M tier

110

Total Assets

balance_sheet

Value: $401.76M

Peer Median: $196.38M

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

216

Net Interest Margin (NIM)

profitability

Value: 4.17%

Peer Median: 3.67%

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

Top Weaknesses (6 metrics)

959

Members Per Employee (MPE)

engagement

Value: 209.527

Peer Median: 310.924

#959 of 1024 Bottom 6.4% in 100M-500M tier

904

Total Delinquency Rate (60+ days)

risk

Value: 1.60%

Peer Median: 0.71%

#904 of 1024 Bottom 11.8% in 100M-500M tier

892

Efficiency Ratio

profitability

Value: 89.25%

Peer Median: 77.26%

#892 of 1024 Bottom 13.0% in 100M-500M tier

835

Loan Growth Rate

growth

Value: -2.76%

Peer Median: 3.02%

#835 of 1024 Bottom 18.6% in 100M-500M tier

832

Net Worth Ratio

risk

Value: 9.51%

Peer Median: 11.71%

#832 of 1024 Bottom 18.8% in 100M-500M tier

783

AMR Growth Rate

growth

Value: 0.45%

Peer Median: 3.53%

#783 of 1024 Bottom 23.6% in 100M-500M tier