BlastPoint's Credit Union Scorecard
POLICE
Charter #16401 · MD
POLICE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 84.2% in tier
- + Organic Growth Engine: Top 92.8% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.9% in tier
- - Credit Quality Pressure: Bottom 87.1% in tier
- - Shrinking Wallet Share: Bottom 87.4% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 15.86% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 4.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,951
+1.1% YoY+0.1% QoQ
|
-1.5K |
15,437
-2.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$177.1M
+3.3% YoY+1.5% QoQ
|
$-54.8M |
$231.9M
+1.3% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$115.2M
-2.9% YoY-0.3% QoQ
|
$-32.2M |
$147.3M
-0.1% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$147.3M
+2.4% YoY+2.0% QoQ
|
$-53.6M |
$200.8M
+0.8% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.2%
+70.3% YoY-6.8% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.4% in tier |
| NIM |
2.4%
+4.5% YoY+0.7% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
92.9%
-3.0% YoY+0.0% QoQ
|
+15.9% |
77.0%
-3.1% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Top 5.8% in tier |
| Delinquency Rate |
0.8%
+5.8% YoY+84.0% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
78.2%
-5.2% YoY-2.3% QoQ
|
+6.0% |
72.2%
-1.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$18,811
-1.1% YoY+0.9% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
31.5%
-0.8% YoY-2.4% QoQ
|
+7.0% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)