BlastPoint's Credit Union Scorecard
PASSAIC POLICE
Charter #12227 · NJ
PASSAIC POLICE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 4.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Delinquency rate 0.22% above tier average
- - Fee Income Per Member: Bottom 0.2% in tier
- - Net Interest Margin (NIM): Bottom 3.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
615
+0.7% YoY-0.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$7.1M
+1.7% YoY+1.6% QoQ
|
$-23.0M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$2.2M
+2.3% YoY-0.5% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$6.1M
-0.9% YoY+1.4% QoQ
|
$-19.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.5%
-61.4% YoY+293.5% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
1.8%
-9.7% YoY-10.8% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio |
50.6%
+39.9% YoY-38.3% QoQ
|
-32.0% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 4.7% in tier |
| Delinquency Rate |
1.8%
+238.7% YoY-4.0% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
35.4%
+3.2% YoY-1.9% QoQ
|
-25.3% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.9% in tier |
| AMR |
$13,435
-0.7% YoY+1.4% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)