BlastPoint's Credit Union Scorecard

POLICE CREDIT UNION OF CONNECTICUT

Charter #6628 · CT

2556 CUs in <100M nationally 43 in CT

POLICE CREDIT UNION OF CONNECTICUT demonstrates 3 strengths

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.55% above tier average
+ Net Interest Margin 0.64% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	2,905 +1.5% YoY+0.5% QoQ	+289	2,615 -1.9% YoY	14,275 +6.6% YoY	33,374 +5.7% YoY	66%
Assets	$44.8M +9.0% YoY+4.0% QoQ	+$14.6M	$30.1M +2.1% YoY	$241.1M +14.1% YoY	$561.6M +9.7% YoY	74%
Loans	$26.3M -2.3% YoY-0.6% QoQ	+$10.6M	$15.8M -1.3% YoY	$136.5M +14.4% YoY	$397.0M +8.8% YoY	78%
Deposits	$40.1M +9.7% YoY+4.1% QoQ	+$14.4M	$25.7M +1.4% YoY	$211.2M +13.7% YoY	$477.3M +9.7% YoY	75%

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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	1.2% +99.3% YoY+12.8% QoQ	+0.6%	0.6% +10.8% YoY	0.6% +43.4% YoY	0.7% +15.9% YoY	73%
NIM	4.6% +8.0% YoY+0.1% QoQ	+0.6%	4.0% +4.0% YoY	3.6% +1.8% YoY	3.8% +5.1% YoY	76%
Efficiency Ratio	75.1% -10.5% YoY-4.1% QoQ	-7.5%	82.6% -2.3% YoY	81.1% -1.3% YoY	79.7% -3.3% YoY	38%
Delinquency Rate	0.4% -49.3% YoY-66.7% QoQ	-1.1	1.6% -3.1% YoY	1.5% +7.3% YoY	1.3% -2.1% YoY	37%
Loan To Share	65.7% -10.9% YoY-4.5% QoQ	+5.1%	60.6% -3.1% YoY	54.6% -1.8% YoY	67.4% -1.7% YoY	58%
AMR	$22,857 +3.1% YoY+1.7% QoQ	+$8K	$14,783 -1.4% YoY	$17,243 +6.0% YoY	$19,687 +2.0% YoY	Top 12.3% in tier
CD Concentration	20.8% -0.1% YoY-6.1% QoQ	-3.6%	24.4%	14.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

257

Deposit Growth Rate

growth

Value: 9.70%

Peer Median: -

#257 of 2556 Top 10.0% in <100M tier

270

Asset Growth Rate

growth

Value: 8.99%

Peer Median: -

#270 of 2556 Top 10.5% in <100M tier

308

Loan-to-Member Ratio (LMR)

engagement

Value: $9,066

Peer Median: -

#308 of 2556 Top 12.0% in <100M tier

315

Average Member Relationship (AMR)

engagement

Value: $22,857

Peer Median: -

#315 of 2556 Top 12.3% in <100M tier

372

Fee Income Per Member

profitability

Value: $151.22

Peer Median: -

#372 of 2556 Top 14.5% in <100M tier

499

Member Growth Rate

growth

Value: 1.50%

Peer Median: -

#499 of 2556 Top 19.5% in <100M tier

552

Total Loans

balance_sheet

Value: $26.34M

Peer Median: -

#552 of 2556 Top 21.6% in <100M tier

612

Net Interest Margin (NIM)

profitability

Value: 4.60%

Peer Median: -

#612 of 2556 Top 23.9% in <100M tier

629

Total Deposits

balance_sheet

Value: $40.06M

Peer Median: -

#629 of 2556 Top 24.6% in <100M tier

Top Weaknesses (1 metrics)

2109

Net Worth Ratio

risk

Value: 10.17%

Peer Median: -

#2109 of 2556 Bottom 17.5% in <100M tier