BlastPoint's Credit Union Scorecard
THE NEW HAVEN POLICE AND MUNICIPAL
Charter #10729 · CT
2596 CUs in <100M nationally
45 in CT
THE NEW HAVEN POLICE AND MUNICIPAL has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.81% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.1% in tier
- + Net Worth Ratio: Top 8.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Efficiency ratio 31.68% above tier (higher cost structure)
- - Delinquency rate 5.91% above tier average
- - Member decline: -3.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
837
-3.6% YoY-3.3% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$5.7M
-2.4% YoY+0.6% QoQ
|
$-24.1M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$2.0M
+20.4% YoY+7.5% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$4.0M
-6.0% YoY-1.8% QoQ
|
$-21.4M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
-0.6%
-151.6% YoY-35.7% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.7% in tier |
| NIM |
4.7%
-10.3% YoY-0.4% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
113.1%
+46.9% YoY-5.9% QoQ
|
+31.7% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 5.7% in tier |
| Delinquency Rate |
7.4%
+1279.2% YoY+29.1% QoQ
|
+5.9 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.3% in tier |
| Loan To Share |
49.5%
+28.0% YoY+9.4% QoQ
|
-11.7% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$7,211
+5.1% YoY+4.6% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
82
Loan Growth Rate
growth
Value:
20.35%
Peer Avg: -
#82 of 2596
Top 3.1% in <100M tier
230
Net Worth Ratio
risk
Value:
26.62%
Peer Avg: -
#230 of 2596
Top 8.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
519
Net Interest Margin (NIM)
profitability
Value:
4.74%
Peer Avg: -
#519 of 2596
Top 20.0% in <100M tier
Top Weaknesses (13 metrics)
2512
Total Delinquency Rate (60+ days)
risk
Value:
7.42%
Peer Avg: -
#2512 of 2596
Bottom 3.3% in <100M tier
2450
Efficiency Ratio
profitability
Value:
113.07%
Peer Avg: -
#2450 of 2596
Bottom 5.7% in <100M tier
2395
Return on Assets (ROA)
profitability
Value:
-0.63%
Peer Avg: -
#2395 of 2596
Bottom 7.8% in <100M tier
2217
Deposit Growth Rate
growth
Value:
-5.96%
Peer Avg: -
#2217 of 2596
Bottom 14.6% in <100M tier
2185
Average Member Relationship (AMR)
engagement
Value:
$7,211
Peer Avg: -
#2185 of 2596
Bottom 15.9% in <100M tier
2169
Fee Income Per Member
profitability
Value:
$7.30
Peer Avg: -
#2169 of 2596
Bottom 16.5% in <100M tier
2161
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,388
Peer Avg: -
#2161 of 2596
Bottom 16.8% in <100M tier
2151
Members Per Employee (MPE)
engagement
Value:
209.250
Peer Avg: -
#2151 of 2596
Bottom 17.2% in <100M tier
2141
Total Loans
balance_sheet
Value:
$2.00M
Peer Avg: -
#2141 of 2596
Bottom 17.6% in <100M tier
2091
Total Deposits
balance_sheet
Value:
$4.04M
Peer Avg: -
#2091 of 2596
Bottom 19.5% in <100M tier