BlastPoint's Credit Union Scorecard

ANCORUM

Charter #67993 · ME

100M-500M

1070 CUs in 100M-500M nationally 32 in ME

ANCORUM has 6 strengths but faces 6 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

+ ROA 0.66% above tier average
+ Net Interest Margin 0.44% above tier average
+ Fee Income Per Member: Top 1.1% in tier
+ Total Members: Top 5.8% in tier
+ Total Loans: Top 7.4% in tier
+ Total Deposits: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 2.15% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	30,563 -1.1% YoY-0.4% QoQ	+15.4K	15,145 -2.5% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	Top 5.9% in tier
Assets	$405.7M +1.6% YoY+2.7% QoQ	+$174.0M	$231.7M +0.8% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	Top 10.2% in tier
Loans	$283.9M -1.5% YoY-1.0% QoQ	+$139.8M	$144.1M +0.2% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	Top 7.5% in tier
Deposits	$360.2M +1.2% YoY+2.5% QoQ	+$159.1M	$201.1M +0.4% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	Top 8.8% in tier

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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	1.4% -876.7% YoY+610.8% QoQ	+0.7%	0.7% +5.1% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	Top 14.0% in tier
NIM	4.1% +4.5% YoY-0.5% QoQ	+0.4%	3.6% +4.6% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	80.2% -19.0% YoY-14.1% QoQ	+2.2%	78.0% -1.7% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.5% +62.5% YoY+60.5% QoQ	-0.3	0.8% +7.1% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	43%
Loan To Share	78.8% -2.7% YoY-3.5% QoQ	+8.4%	70.4% -0.4% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	65%
AMR	$21,077 +1.1% YoY+1.4% QoQ	$-4K	$24,918 +2.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	39%
CD Concentration	18.7% -15.3% YoY-1.0% QoQ	-5.5%	24.3%	25.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#331 of 727 • 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): 0.20% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#403 of 570 • 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): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.53%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.52%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#202 of 250 • 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: $405.70M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.53%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#477 of 570 • 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): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#561 of 596 • 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: 80.18%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 1.56% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $467.24

Peer Median: $154.95

#13 of 1070 Top 1.1% in 100M-500M tier

Total Members

engagement

Value: 30,563

Peer Median: 13,200

#63 of 1070 Top 5.8% in 100M-500M tier

Total Loans

balance_sheet

Value: $283.94M

Peer Median: $121.41M

#80 of 1070 Top 7.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $360.24M

Peer Median: $171.29M

#94 of 1070 Top 8.7% in 100M-500M tier

109

Total Assets

balance_sheet

Value: $405.70M

Peer Median: $196.57M

#109 of 1070 Top 10.1% in 100M-500M tier

150

Return on Assets (ROA)

profitability

Value: 1.38%

Peer Median: 0.69%

#150 of 1070 Top 13.9% in 100M-500M tier

241

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Median: 3.62%

#241 of 1070 Top 22.4% in 100M-500M tier

Top Weaknesses (2 metrics)

950

Members Per Employee (MPE)

engagement

Value: 229.797

Peer Median: 309.176

#950 of 1070 Bottom 11.3% in 100M-500M tier

834

Net Worth Ratio

risk

Value: 9.59%

Peer Median: 11.45%

#834 of 1070 Bottom 22.1% in 100M-500M tier