BlastPoint's Credit Union Scorecard
ANCORUM
Charter #67993 · ME
ANCORUM has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 |
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| 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
|
18% |
| 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
|
75% |
| 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
|
70% |
| 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
|
40% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)