BlastPoint's Credit Union Scorecard
ANCORUM
Charter #67993 · ME
ANCORUM has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
- + Fee Income Per Member: Top 3.8% in tier
- + Total Members: Top 6.3% in tier
- + Total Loans: Top 7.9% in tier
- + Total Deposits: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: 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
- - ROA 0.57% below tier average
- - Efficiency ratio 16.28% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,693
-0.6% YoY-0.4% QoQ
|
+15.3K |
15,437
-2.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
Top 6.4% in tier |
| Assets |
$395.0M
+2.8% YoY+0.0% QoQ
|
+$163.1M |
$231.9M
+1.3% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Top 11.8% in tier |
| Loans |
$286.9M
-1.3% YoY-0.8% QoQ
|
+$139.5M |
$147.3M
-0.1% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Top 8.0% in tier |
| Deposits |
$351.3M
+2.9% YoY+0.4% QoQ
|
+$150.5M |
$200.8M
+0.8% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 9.9% in tier |
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| ROA |
0.2%
-66.6% YoY-33.9% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.8% in tier |
| NIM |
4.1%
+0.3% YoY+1.6% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
93.3%
+5.6% YoY+1.6% QoQ
|
+16.3% |
77.0%
-3.1% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
0.3%
-39.6% YoY-79.3% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
81.7%
-4.1% YoY-1.3% QoQ
|
+9.4% |
72.2%
-1.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$20,793
+1.6% YoY+0.3% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
18.9%
-11.7% YoY-2.7% QoQ
|
-5.5% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)