BlastPoint's Credit Union Scorecard

DELAWARE STATE POLICE

Charter #13791 · DE

1077 CUs in 100M-500M nationally 5 in DE

DELAWARE STATE POLICE has 5 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

+ Organic Growth Leader: Top 15.0% in tier
+ Organic Growth Engine: Top 15.6% in tier
+ Emerging Performer: Top 84.7% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.6% in tier
- Cost Spiral: Bottom 17.3% in tier
- Efficiency Drag: Bottom 28.4% in tier
- ROA 0.14% below tier average
- Efficiency ratio 3.27% above tier (higher cost structure)
- Delinquency rate 0.49% above tier average
- Loan-to-Share Ratio: Bottom 5.3% in tier
- Total Loans: Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	8,750 +2.7% YoY+0.5% QoQ	-6.9K	15,628 -3.4% YoY	17,253 +10.0% YoY	33,089 +6.1% YoY	21%
Assets	$139.9M +7.4% YoY+1.4% QoQ	$-91.4M	$231.3M -0.0% YoY	$195.2M +8.0% YoY	$547.7M +7.8% YoY	26%
Loans	$56.1M -1.2% YoY-1.4% QoQ	$-91.7M	$147.8M -1.4% YoY	$121.5M +9.1% YoY	$388.7M +8.6% YoY	Bottom 7.6% in tier
Deposits	$128.6M +6.7% YoY+0.8% QoQ	$-71.7M	$200.3M -0.0% YoY	$172.1M +8.7% YoY	$464.6M +9.3% 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% -45.3% YoY+30.4% QoQ	-0.1%	0.8% +15.5% YoY	2.8% +77.8% YoY	0.7% +273.4% YoY	42%
NIM	2.7% -0.5% YoY+0.0% QoQ	-0.8%	3.6% +6.9% YoY	3.3% +6.1% YoY	3.7% +5.0% YoY	Bottom 11.0% in tier
Efficiency Ratio	80.5% +12.2% YoY-4.9% QoQ	+3.3%	77.3% -3.0% YoY	77.7% -4.8% YoY	79.1% -3.3% YoY	63%
Delinquency Rate	1.3% +172.4% YoY-6.4% QoQ	+0.5	0.9% +7.6% YoY	2.7% +22.3% YoY	1.2% -0.9% YoY	82%
Loan To Share	43.6% -7.4% YoY-2.2% QoQ	-29.1%	72.7% -1.5% YoY	48.0% +0.7% YoY	68.0% -1.7% YoY	Bottom 5.2% in tier
AMR	$21,105 +1.4% YoY-0.3% QoQ	$-3K	$24,363 +2.9% YoY	$13,877 +1.3% YoY	$19,418 +1.3% YoY	43%
CD Concentration	15.4% +48.7% YoY+14.7% QoQ	-9.0%	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 (3)

Organic Growth Leader

growth

#199 of 430 • Top 15.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.69%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#287 of 603 • Top 15.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.69%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.65%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#162 of 191 • Top 84.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.65%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 2.69%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#65 of 736 • Bottom 2.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.85% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Cost Spiral

risk

#43 of 62 • Bottom 17.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 8.78% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.21%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Efficiency Drag

risk

#501 of 521 • Bottom 28.4% in tier

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

Why This Signature

Efficiency Ratio: 80.54%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.54% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 2.69%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

242

Member Growth Rate

growth

Value: 2.69%

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

242

Asset Growth Rate

growth

Value: 7.42%

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

255

Share Certificate Concentration (%)

balance_sheet

Value: 15.40%

Peer Avg: -

#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1021

Loan-to-Share Ratio

balance_sheet

Value: 43.61%

Peer Avg: -

#1021 of 1077 Bottom 5.3% in 100M-500M tier

995

Total Loans

balance_sheet

Value: $56.07M

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

959

Net Interest Margin (NIM)

profitability

Value: 2.75%

Peer Avg: -

#959 of 1077 Bottom 11.0% in 100M-500M tier

892

Loan-to-Member Ratio (LMR)

engagement

Value: $6,408

Peer Avg: -

#892 of 1077 Bottom 17.3% in 100M-500M tier

886

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Avg: -

#886 of 1077 Bottom 17.8% in 100M-500M tier

850

Total Members

engagement

Value: 8,750

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier