BlastPoint's Credit Union Scorecard
WILMINGTON POLICE & FIRE
Charter #11347 · DE
WILMINGTON POLICE & FIRE has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.79% below tier average
- - Efficiency ratio 39.67% above tier (higher cost structure)
- - Delinquency rate 1.87% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 4.8% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 7.2% in tier
- - AMR Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,994
+2.2% YoY+1.6% QoQ
|
+1.4K |
2,615
-1.9% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$13.6M
-5.0% YoY-5.2% QoQ
|
$-16.6M |
$30.1M
+2.1% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$2.9M
-10.1% YoY-3.5% QoQ
|
$-12.8M |
$15.8M
-1.3% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$11.3M
-5.6% YoY-6.4% QoQ
|
$-14.3M |
$25.7M
+1.4% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
-1.2%
+12.6% YoY+61.9% QoQ
|
-1.8% |
0.6%
+10.8% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.0% in tier |
| NIM |
2.7%
+3.6% YoY+5.9% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio |
122.2%
+2.2% YoY-0.2% QoQ
|
+39.7% |
82.6%
-2.3% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
Top 3.7% in tier |
| Delinquency Rate |
3.4%
+107.1% YoY-17.8% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
Top 10.9% in tier |
| Loan To Share |
25.9%
-4.8% YoY+3.2% QoQ
|
-34.7% |
60.6%
-3.1% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.0% in tier |
| AMR |
$3,576
-8.6% YoY-7.3% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.3% in tier |
| CD Concentration |
8.2%
-10.1% YoY+6.3% QoQ
|
-16.2% | 24.4% | 13.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.6% | 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)