BlastPoint's Credit Union Scorecard

DELAWARE STATE POLICE

Charter #13791 · DE

100M-500M

1070 CUs in 100M-500M nationally 4 in DE

DELAWARE STATE POLICE has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

DE Analysis

How does DE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.18% below tier average
- Efficiency ratio 5.66% above tier (higher cost structure)
- Delinquency rate 0.34% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	7,805 -9.4% YoY-0.3% QoQ	-7.3K	15,145 -2.5% YoY	16,940 +7.4% YoY	33,913 +5.7% YoY	16%
Assets	$139.3M +2.7% YoY-3.3% QoQ	$-92.4M	$231.7M +0.8% YoY	$214.1M +16.8% YoY	$578.3M +9.0% YoY	25%
Loans	$54.3M -3.9% YoY-1.9% QoQ	$-89.9M	$144.1M +0.2% YoY	$130.7M +18.0% YoY	$402.4M +8.7% YoY	Bottom 8.0% in tier
Deposits	$127.0M +1.0% YoY-3.7% QoQ	$-74.1M	$201.1M +0.4% YoY	$190.3M +16.8% YoY	$494.3M +9.1% YoY	30%

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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	0.6% +37.3% YoY-22.4% QoQ	-0.2%	0.7% +5.1% YoY	1.6% +9.6% YoY	0.4% -39.2% YoY	39%
NIM	2.9% +6.2% YoY+6.2% QoQ	-0.7%	3.6% +4.6% YoY	3.5% +6.1% YoY	3.8% +4.1% YoY	Bottom 11.8% in tier
Efficiency Ratio	83.7% -5.6% YoY+6.2% QoQ	+5.7%	78.0% -1.7% YoY	78.7% -23.9% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	1.1% +19.7% YoY-30.1% QoQ	+0.3	0.8% +7.1% YoY	2.3% +13.1% YoY	1.2% +3.4% YoY	80%
Loan To Share	42.7% -4.9% YoY+1.9% QoQ	-27.7%	70.4% -0.4% YoY	46.7% +1.2% YoY	65.6% -1.4% YoY	Bottom 6.2% in tier
AMR	$23,228 +9.9% YoY-2.9% QoQ	$-2K	$24,918 +2.7% YoY	$14,274 +3.2% YoY	$19,920 +1.6% YoY	52%
CD Concentration	16.5% +36.7% YoY+5.9% QoQ	-7.8%	24.3%	13.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#127 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.88%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#19 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.90%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.11%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#44 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -9.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#75 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $139.32M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -9.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.90%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Credit Quality Pressure

risk

#354 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Efficiency Drag

risk

#489 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.69%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -9.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

103

AMR Growth Rate

growth

Value: 9.88%

Peer Median: 3.46%

#103 of 1070 Top 9.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1030

Member Growth Rate

growth

Value: -9.43%

Peer Median: -0.06%

#1030 of 1070 Bottom 3.8% in 100M-500M tier

1004

Loan-to-Share Ratio

balance_sheet

Value: 42.74%

Peer Median: 71.88%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

984

Total Loans

balance_sheet

Value: $54.28M

Peer Median: $121.41M

#984 of 1070 Bottom 8.1% in 100M-500M tier

944

Net Interest Margin (NIM)

profitability

Value: 2.90%

Peer Median: 3.62%

#944 of 1070 Bottom 11.9% in 100M-500M tier

924

Loan Growth Rate

growth

Value: -3.90%

Peer Median: 2.93%

#924 of 1070 Bottom 13.7% in 100M-500M tier

895

Total Members

engagement

Value: 7,805

Peer Median: 13,200

#895 of 1070 Bottom 16.4% in 100M-500M tier

859

Total Delinquency Rate (60+ days)

risk

Value: 1.11%

Peer Median: 0.61%

#859 of 1070 Bottom 19.8% in 100M-500M tier

820

Loan-to-Member Ratio (LMR)

engagement

Value: $6,954

Peer Median: $9,356

#820 of 1070 Bottom 23.5% in 100M-500M tier