BlastPoint's Credit Union Scorecard
WILMINGTON POLICE & FIRE
Charter #11347 · DE
WILMINGTON POLICE & FIRE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 18.21% above tier (higher cost structure)
- - Delinquency rate 0.91% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Average Member Relationship (AMR): Bottom 5.7% in tier
- - Loan-to-Share Ratio: Bottom 6.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 9 that size in Delaware.
- Shares and deposits +1.9% year over year ($12.2M in shares and deposits).
- Membership: 3,956 members, +0.8% vs a year ago.
- Delinquency rate 2.45%.
- Return on assets 0.40%.
- Efficiency ratio 106.98% vs a 88.77% peer average.
- Loan-to-share ratio 22.44% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,956
+0.8% YoY+0.2% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
17,843
+5.5% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$14.3M
+0.6% YoY+3.5% QoQ
|
$-16.0M |
$30.3M
+1.5% YoY
|
$212.9M
+9.3% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$2.7M
-13.1% YoY-1.7% QoQ
|
$-12.7M |
$15.5M
-1.7% YoY
|
$132.7M
+10.6% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$12.2M
+1.9% YoY+4.2% QoQ
|
$-13.6M |
$25.8M
+1.1% YoY
|
$188.9M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
0.4%
-161.1% YoY-160.2% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
-28.8% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
3.2%
+20.8% YoY+1.5% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.5%
+5.6% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
107.0%
-9.9% YoY-2.8% QoQ
|
+18.2% |
88.8%
-6.9% YoY
|
79.3%
-0.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
2.5%
-2.5% YoY-26.5% QoQ
|
+0.9 |
1.5%
+2.1% YoY
|
2.3%
-27.7% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
22.4%
-14.7% YoY-5.7% QoQ
|
-36.4% |
58.9%
-3.1% YoY
|
47.6%
-0.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.2% in tier |
| AMR |
$3,771
-2.0% YoY+2.9% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$14,118
+1.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.7% in tier |
| CD Concentration |
7.6%
-13.0% YoY-0.6% QoQ
|
-16.9% | 24.6% | 13.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.1% | 7.7% | 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)