POLICE

Charter #16401 | MD

100M-500M (1077 CUs) Micro
16 100M-500M in MD

POLICE has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 25.5% in tier
  • + Organic Growth Engine: Top 30.9% in tier
  • + Organic Growth Leader: Top 32.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.6% in tier
  • - Liquidity Overhang: Bottom 20.1% in tier
  • - Shrinking Wallet Share: Bottom 21.5% in tier
  • - ROA 0.55% below tier average
  • - Efficiency ratio 15.58% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 13,939
+0.6% YoY+0.3% QoQ
 -1.7K 15,628
-3.4% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 52nd in tier
Assets $174.4M
+1.1% YoY-0.2% QoQ
 $-56.9M $231.3M
-0.0% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 41st in tier
Loans $115.6M
-1.7% YoY-1.2% QoQ
 $-32.2M $147.8M
-1.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 45th in tier
Deposits $144.3M
+0.7% YoY-1.1% QoQ
 $-55.9M $200.3M
-0.0% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.2%
+54.2% YoY-27.1% QoQ
 -0.6% 0.8%
+15.5% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Bottom 15.3% in tier
NIM 2.4%
+4.1% YoY+1.6% QoQ
 -1.2% 3.6%
+6.9% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Bottom 5.2% in tier
Efficiency Ratio 92.9%
-2.0% YoY+1.7% QoQ
 +15.6% 77.3%
-3.0% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 Top 6.6% in tier
Delinquency Rate 0.4%
-40.2% YoY+62.1% QoQ
 -0.4 0.9%
+7.6% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 80.1%
-2.4% YoY-0.2% QoQ
 +7.4% 72.7%
-1.5% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 63rd in tier
AMR $18,646
-0.9% YoY-1.5% QoQ
 $-6K $24,363
+2.9% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 32.2%
+7.4% YoY+2.3% QoQ
 +7.8% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#478 of 627 • Top 25.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.24%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.58%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#567 of 603 • Top 30.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.58%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.24%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#422 of 430 • Top 32.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.58%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk
#11 of 521 • Bottom 0.6% in tier

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

Why This Signature
Efficiency Ratio: 92.86%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.08% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Overhang

risk
#312 of 552 • Bottom 20.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.31%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 80.06%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#215 of 244 • Bottom 21.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.93%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
208
Net Worth Ratio
risk
Value: 14.31%
Peer Avg: 12.15%
#208 of 1077 Top 19.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1021
Net Interest Margin (NIM)
profitability
Value: 2.38%
Peer Avg: 3.58%
#1021 of 1077 Bottom 5.3% in 100M-500M tier
1007
Efficiency Ratio
profitability
Value: 92.86%
Peer Avg: 77.28%
#1007 of 1077 Bottom 6.6% in 100M-500M tier
958
First Mortgage Concentration (%)
balance_sheet
Value: 52.67%
Peer Avg: 30.43%
#958 of 1077 Bottom 11.1% in 100M-500M tier
912
Return on Assets (ROA)
profitability
Value: 0.24%
Peer Avg: 0.79%
#912 of 1077 Bottom 15.4% in 100M-500M tier
902
AMR Growth Rate
growth
Value: -0.93%
Peer Avg: 3.64%
#902 of 1077 Bottom 16.3% in 100M-500M tier
846
Share Certificate Concentration (%)
balance_sheet
Value: 32.24%
Peer Avg: 23.61%
#846 of 1077 Bottom 21.5% in 100M-500M tier
817
Deposit Growth Rate
growth
Value: 0.73%
Peer Avg: 4.69%
#817 of 1077 Bottom 24.2% in 100M-500M tier