BlastPoint's Credit Union Scorecard
DELAWARE STATE POLICE
Charter #13791 · DE
DELAWARE STATE POLICE has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 12.5% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.3% in tier
- - Stagnation Risk: Bottom 4.7% in tier
- - Membership Headwinds: Bottom 10.0% in tier
- - Institutional Decline: Bottom 48.1% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 1.76% above tier (higher cost structure)
- - Delinquency rate 0.70% above tier average
- - Member decline: -8.4% YoY
- - Member Growth Rate: Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 5.0% in tier
- - Total Loans: Bottom 7.9% in tier
- - Net Interest Margin (NIM): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,827
-8.4% YoY-10.5% QoQ
|
-7.6K |
15,437
-2.9% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$144.0M
+9.5% YoY+3.0% QoQ
|
$-87.8M |
$231.9M
+1.3% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$55.3M
-2.4% YoY-1.4% QoQ
|
$-92.0M |
$147.3M
-0.1% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.8% in tier |
| Deposits |
$131.9M
+7.7% YoY+2.6% QoQ
|
$-68.9M |
$200.8M
+0.8% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
31% |
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 |
0.7%
-18.6% YoY+9.2% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.7%
-3.0% YoY-0.6% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio |
78.8%
+1.3% YoY-2.2% QoQ
|
+1.8% |
77.0%
-3.1% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
1.6%
+270.7% YoY+18.4% QoQ
|
+0.7 |
0.9%
+4.2% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
Top 12.1% in tier |
| Loan To Share |
41.9%
-9.3% YoY-3.8% QoQ
|
-30.3% |
72.2%
-1.1% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.9% in tier |
| AMR |
$23,918
+14.0% YoY+13.3% QoQ
|
$-758 |
$24,676
+3.4% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
15.5%
+47.6% YoY+0.9% QoQ
|
-8.9% | 24.4% | 13.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)