BlastPoint's Credit Union Scorecard
ATLANTIC CITY POLICE
Charter #3420 · NJ
ATLANTIC CITY POLICE has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.9% YoY
- - Loan-to-Share Ratio: Bottom 4.1% in tier
- - Total Loans: Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.4% in tier
- - Total Members: Bottom 6.5% in tier
- - Members Per Employee (MPE): Bottom 8.2% in tier
- - Total Assets: Bottom 9.6% in tier
- - Total Deposits: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
255
-4.9% YoY-1.9% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 6.4% in tier |
| Assets |
$2.0M
-0.1% YoY-1.8% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.6% in tier |
| Loans |
$295,277
-7.8% YoY-4.3% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.9% in tier |
| Deposits |
$1.6M
-2.5% YoY-2.6% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.9% in tier |
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| ROA |
1.8%
-27.2% YoY-18.2% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 9.4% in tier |
| NIM |
4.3%
-14.2% YoY-3.8% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
58.6%
+11.9% YoY+14.6% QoQ
|
-23.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate | 0.3% | -1.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
18.7%
-5.5% YoY-1.8% QoQ
|
-41.9% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.0% in tier |
| AMR |
$7,338
+1.5% YoY-1.0% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
32.8%
-0.7% YoY+5.6% QoQ
|
+8.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)