BlastPoint's Credit Union Scorecard
POLICE
Charter #16401 · MD
POLICE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.84% below tier average
- - Efficiency ratio 21.29% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Net Interest Margin (NIM): Bottom 4.5% in tier
- - First Mortgage Concentration (%): Bottom 10.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
- Shares and deposits +0.1% year over year ($146M in shares and deposits).
- Membership: 13,992 members, +0.7% vs a year ago.
- Delinquency rate 1.33%.
- Return on assets 0.02%.
- Efficiency ratio 98.02% vs a 76.73% peer average.
- Loan-to-share ratio 78.61% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,992
+0.7% YoY+0.2% QoQ
|
-1.2K |
15,168
-2.6% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$175.9M
+0.6% YoY+0.0% QoQ
|
$-56.1M |
$232.0M
+0.7% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$114.8M
-1.9% YoY-0.8% QoQ
|
$-31.5M |
$146.3M
+0.2% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$146.0M
+0.1% YoY+0.1% QoQ
|
$-54.7M |
$200.7M
+0.2% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.0%
-93.9% YoY
|
-0.8% |
0.9%
+12.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.5% in tier |
| NIM |
2.6%
+9.2% YoY+0.7% QoQ
|
-1.1% |
3.7%
+4.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio |
98.0%
+7.4% YoY-0.2% QoQ
|
+21.3% |
76.7%
-0.8% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
1.3%
+419.3% YoY+225.5% QoQ
|
+0.4 |
0.9%
+6.6% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
78.6%
-2.0% YoY-0.9% QoQ
|
+7.1% |
71.5%
-0.3% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$18,639
-1.5% YoY-0.5% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
30.8%
-2.1% YoY-2.0% QoQ
|
+6.3% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)