BlastPoint's Credit Union Scorecard

PASSAIC POLICE

Charter #12227 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

PASSAIC POLICE faces 4 concerns requiring attention

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 3.62% below tier average
- Member decline: -2.2% YoY
- Efficiency Ratio: Bottom 0.0% in tier
- Fee Income Per Member: Bottom 0.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	613 -2.2% YoY-0.3% QoQ	-2.1K	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	17%
Assets	$7.3M +5.6% YoY+2.5% QoQ	$-22.9M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	26%
Loans	$2.1M +3.1% YoY-1.5% QoQ	$-13.2M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	19%
Deposits	$6.2M +3.7% YoY+2.4% QoQ	$-19.5M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	27%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-3.5% -268.7% YoY-803.8% QoQ	-3.6%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	Bottom 2.8% in tier
NIM	2.9% +17.6% YoY+60.5% QoQ	-1.1%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	-	-	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	-
Delinquency Rate	1.5% +399.4% YoY-14.6% QoQ	+0.0	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	75%
Loan To Share	34.0% -0.6% YoY-3.7% QoQ	-24.5%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	Bottom 15.0% in tier
AMR	$13,662 +5.9% YoY+1.7% QoQ	$-1K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	49%
CD Concentration	0.0%	-24.3%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

532

Asset Growth Rate

growth

Value: 5.60%

Peer Median: 1.30%

#532 of 2508 Top 21.2% in <100M tier

535

AMR Growth Rate

growth

Value: 5.94%

Peer Median: 1.27%

#535 of 2508 Top 21.3% in <100M tier

Top Weaknesses (8 metrics)

2508

Efficiency Ratio

profitability

Value: -

Peer Median: 81.45%

#2508 of 2508 Bottom 0.1% in <100M tier

2508

Fee Income Per Member

profitability

Value: $-469.40

Peer Median: $60.42

#2508 of 2508 Bottom 0.1% in <100M tier

2437

Return on Assets (ROA)

profitability

Value: -3.47%

Peer Median: 0.61%

#2437 of 2508 Bottom 2.9% in <100M tier

2131

Net Charge-Off Rate

risk

Value: 0.93%

Peer Median: 0.07%

#2131 of 2508 Bottom 15.1% in <100M tier

2129

Loan-to-Share Ratio

balance_sheet

Value: 34.03%

Peer Median: 58.72%

#2129 of 2508 Bottom 15.2% in <100M tier

2092

Total Members

engagement

Value: 613

Peer Median: 1,918

#2092 of 2508 Bottom 16.6% in <100M tier

2081

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Median: 3.83%

#2081 of 2508 Bottom 17.1% in <100M tier

2036

Total Loans

balance_sheet

Value: $2.13M

Peer Median: $9.48M

#2036 of 2508 Bottom 18.9% in <100M tier