BlastPoint's Credit Union Scorecard
WILMINGTON POLICE & FIRE
Charter #11347 · DE
WILMINGTON POLICE & FIRE has 3 strengths but faces 8 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 1.41% below tier average
- - Efficiency ratio 41.03% above tier (higher cost structure)
- - Delinquency rate 2.66% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Loan-to-Share Ratio: Bottom 7.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
- - Net Interest Margin (NIM): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,933
+0.8% YoY+0.2% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$14.3M
+0.5% YoY+0.9% QoQ
|
$-15.5M |
$29.9M
+1.1% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$3.0M
-11.6% YoY-3.2% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$12.1M
+1.5% YoY+1.4% QoQ
|
$-13.3M |
$25.5M
+0.4% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
-0.7%
-40.9% YoY+11.9% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.9% in tier |
| NIM |
2.6%
-2.1% YoY-2.7% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio |
122.4%
+1.3% YoY+3.1% QoQ
|
+41.0% |
81.4%
-2.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
4.2%
+180.3% YoY+65.6% QoQ
|
+2.7 |
1.5%
-2.0% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.8% in tier |
| Loan To Share |
25.1%
-12.9% YoY-4.5% QoQ
|
-36.1% |
61.2%
-3.0% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.8% in tier |
| AMR |
$3,857
-2.2% YoY+0.2% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
7.7%
-16.9% YoY-11.5% QoQ
|
-16.7% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
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)