BlastPoint's Credit Union Scorecard
PASSAIC POLICE
Charter #12227 · NJ
PASSAIC POLICE has 4 strengths but faces 6 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
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 0.58% above tier (higher cost structure)
- - Delinquency rate 0.34% above tier average
- - Member decline: -2.5% YoY
- - Fee Income Per Member: Bottom 0.2% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
618
-2.5% YoY+1.5% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$7.0M
-1.5% YoY+2.4% QoQ
|
$-22.9M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$2.2M
+5.6% YoY+6.6% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$6.0M
-4.4% YoY+1.7% QoQ
|
$-19.4M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
26% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-89.6% YoY-92.3% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.1%
-11.9% YoY+5.4% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
82.0%
+162.6% YoY+293.6% QoQ
|
+0.6% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.8%
+194.7% YoY+43.2% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
36.0%
+10.4% YoY+4.8% QoQ
|
-25.2% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
15% |
| AMR |
$13,247
+0.6% YoY+1.5% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% 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)