BlastPoint's Credit Union Scorecard
WILMINGTON POLICE & FIRE
Charter #11347 · DE
<100M
2508 CUs in <100M nationally
9 in DE
WILMINGTON POLICE & FIRE has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 0.5% in tier
- + Net Charge-Off Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 19.40% above tier (higher cost structure)
- - Delinquency rate 1.84% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,949
+0.9% YoY-1.1% QoQ
|
+1.3K |
2,676
+1.6% YoY
|
16,940
+7.4% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$13.8M
-1.4% YoY+1.5% QoQ
|
$-16.4M |
$30.2M
+1.3% YoY
|
$214.1M
+16.8% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$2.8M
-14.4% YoY-5.3% QoQ
|
$-12.5M |
$15.3M
-2.0% YoY
|
$130.7M
+18.0% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$11.7M
-0.2% YoY+3.1% QoQ
|
$-14.1M |
$25.8M
+0.7% YoY
|
$190.3M
+16.8% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
-0.7%
+26.4% YoY-44.0% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
1.6%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.4% in tier |
| NIM |
3.1%
+21.2% YoY+15.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
+6.1% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
110.0%
-6.3% YoY-10.0% QoQ
|
+19.4% |
90.6%
+6.5% YoY
|
78.7%
-23.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate |
3.3%
+25.1% YoY-2.6% QoQ
|
+1.8 |
1.5%
+3.8% YoY
|
2.3%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.7% in tier |
| Loan To Share |
23.8%
-14.2% YoY-8.2% QoQ
|
-34.7% |
58.5%
-3.0% YoY
|
46.7%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.6% in tier |
| AMR |
$3,666
-4.2% YoY+2.5% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$14,274
+3.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.5% in tier |
| CD Concentration |
7.7%
-26.9% YoY-6.9% QoQ
|
-16.6% | 24.3% | 13.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
14
Members Per Employee (MPE)
engagement
Value:
1316.333
Peer Median: 333.750
#14 of 2508
Top 0.5% in <100M tier
142
Net Charge-Off Rate
risk
Value:
-0.23%
Peer Median: 0.07%
#142 of 2508
Top 5.6% in <100M tier
538
Total Members
engagement
Value:
3,949
Peer Median: 1,918
#538 of 2508
Top 21.4% in <100M tier
606
Member Growth Rate
growth
Value:
0.89%
Peer Median: -1.37%
#606 of 2508
Top 24.1% in <100M tier
Top Weaknesses (11 metrics)
2392
Loan-to-Member Ratio (LMR)
engagement
Value:
$704.77
Peer Median: $4,923
#2392 of 2508
Bottom 4.7% in <100M tier
2369
Average Member Relationship (AMR)
engagement
Value:
$3,666
Peer Median: $13,926
#2369 of 2508
Bottom 5.6% in <100M tier
2340
Loan-to-Share Ratio
balance_sheet
Value:
23.80%
Peer Median: 58.72%
#2340 of 2508
Bottom 6.7% in <100M tier
2271
Efficiency Ratio
profitability
Value:
110.03%
Peer Median: 81.45%
#2271 of 2508
Bottom 9.5% in <100M tier
2266
Total Delinquency Rate (60+ days)
risk
Value:
3.34%
Peer Median: 0.65%
#2266 of 2508
Bottom 9.7% in <100M tier
2222
Return on Assets (ROA)
profitability
Value:
-0.66%
Peer Median: 0.61%
#2222 of 2508
Bottom 11.4% in <100M tier
2195
Loan Growth Rate
growth
Value:
-14.43%
Peer Median: -2.36%
#2195 of 2508
Bottom 12.5% in <100M tier
2013
AMR Growth Rate
growth
Value:
-4.18%
Peer Median: 1.27%
#2013 of 2508
Bottom 19.8% in <100M tier
1946
Net Interest Margin (NIM)
profitability
Value:
3.14%
Peer Median: 3.83%
#1946 of 2508
Bottom 22.4% in <100M tier
1930
Total Loans
balance_sheet
Value:
$2.78M
Peer Median: $9.48M
#1930 of 2508
Bottom 23.1% in <100M tier