BlastPoint's Credit Union Scorecard
THE NEW HAVEN POLICE AND MUNICIPAL
Charter #10729 · CT
THE NEW HAVEN POLICE AND MUNICIPAL has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.92% 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
Key Concerns
Areas that may need attention
- - ROA 3.39% below tier average
- - Efficiency ratio 32.10% above tier (higher cost structure)
- - Delinquency rate 1.93% above tier average
- - Member decline: -4.0% YoY
- - Net Charge-Off Rate: Bottom 1.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
832
-4.0% YoY-0.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$5.5M
-6.2% YoY-3.9% QoQ
|
$-24.7M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$1.9M
+10.3% YoY-5.2% QoQ
|
$-13.9M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$4.1M
-1.0% YoY+0.5% QoQ
|
$-21.6M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
-2.8%
-366.1% YoY+337.2% QoQ
|
-3.4% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.2% in tier |
| NIM |
4.9%
-5.2% YoY+2.8% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
114.7%
+43.2% YoY+1.4% QoQ
|
+32.1% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
3.5%
-1.2% YoY-53.1% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Top 10.6% in tier |
| Loan To Share |
46.7%
+11.4% YoY-5.6% QoQ
|
-13.9% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$7,153
+6.6% YoY-0.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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)