ANCORUM

Charter #67993 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

ANCORUM has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 24.8% in tier
  • + Wallet Share Momentum: Top 30.9% in tier
  • + Net Interest Margin 0.44% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 3.8% in tier
  • + Total Members: Top 6.7% in tier
  • + Total Loans: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.2% in tier
  • - Efficiency Drag: Bottom 4.9% in tier
  • - ROA 0.49% below tier average
  • - Efficiency ratio 14.51% above tier (higher cost structure)
  • - Delinquency rate 0.70% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 30,820
+0.2% YoY-0.4% QoQ
 +15.2K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 Top 6.8% in tier
Assets $394.9M
+4.4% YoY-0.5% QoQ
 +$163.6M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Top 11.3% in tier
Loans $289.3M
-0.4% YoY-0.8% QoQ
 +$141.5M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Top 7.5% in tier
Deposits $349.9M
+4.2% YoY-0.6% QoQ
 +$149.6M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Top 10.3% in tier
ROA 0.3%
-59.5% YoY+26.3% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Bottom 18.4% in tier
NIM 4.0%
-3.0% YoY+1.7% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 75th in tier
Efficiency Ratio 91.8%
+5.0% YoY-1.2% QoQ
 +14.5% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Top 7.7% in tier
Delinquency Rate 1.6%
+287.8% YoY+77.7% QoQ
 +0.7 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Top 13.4% in tier
Loan To Share 82.7%
-4.4% YoY-0.1% QoQ
 +10.0% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 70th in tier
AMR $20,740
+1.9% YoY-0.4% QoQ
 $-4K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 19.5%
-0.3% YoY-6.0% QoQ
 -4.9% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#684 of 1006 • Top 24.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.92%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#853 of 1006 • Top 30.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.92%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk
#31 of 736 • Bottom 1.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.16% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#88 of 521 • Bottom 4.9% in tier

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

Why This Signature
Efficiency Ratio: 91.79%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.43% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
42
Fee Income Per Member
profitability
Value: $318.24
Peer Avg: $174.31
#42 of 1077 Top 3.8% in 100M-500M tier
73
Total Members
engagement
Value: 30,820
Peer Avg: 15,628
#73 of 1077 Top 6.7% in 100M-500M tier
81
Total Loans
balance_sheet
Value: $289.34M
Peer Avg: $147.80M
#81 of 1077 Top 7.4% in 100M-500M tier
111
Total Deposits
balance_sheet
Value: $349.87M
Peer Avg: $200.29M
#111 of 1077 Top 10.2% in 100M-500M tier
122
Total Assets
balance_sheet
Value: $394.86M
Peer Avg: $231.30M
#122 of 1077 Top 11.2% in 100M-500M tier
270
Net Interest Margin (NIM)
profitability
Value: 4.03%
Peer Avg: 3.58%
#270 of 1077 Top 25.0% in 100M-500M tier

Top Weaknesses (5 metrics)

995
Efficiency Ratio
profitability
Value: 91.79%
Peer Avg: 77.28%
#995 of 1077 Bottom 7.7% in 100M-500M tier
937
Members Per Employee (MPE)
engagement
Value: 235.267
Peer Avg: 332.881
#937 of 1077 Bottom 13.1% in 100M-500M tier
934
Total Delinquency Rate (60+ days)
risk
Value: 1.56%
Peer Avg: 0.86%
#934 of 1077 Bottom 13.4% in 100M-500M tier
879
Return on Assets (ROA)
profitability
Value: 0.29%
Peer Avg: 0.79%
#879 of 1077 Bottom 18.5% in 100M-500M tier
876
Net Worth Ratio
risk
Value: 9.36%
Peer Avg: 12.15%
#876 of 1077 Bottom 18.8% in 100M-500M tier