BlastPoint's Credit Union Scorecard

POLICE

Charter #16401 · MD

100M-500M
1070 CUs in 100M-500M nationally 15 in MD

POLICE faces 6 concerns requiring attention

National Analysis

How does the industry compare?
MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - ROA 0.76% below tier average
  • - Efficiency ratio 20.20% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 5.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 13,960
+0.4% YoY+0.1% QoQ
 -1.2K 15,145
-2.5% YoY
 35,042
+5.0% YoY
 33,913
+5.7% YoY
 54%
Assets $175.8M
+0.4% YoY-0.8% QoQ
 $-55.9M $231.7M
+0.8% YoY
 $654.4M
+9.6% YoY
 $578.3M
+9.0% YoY
 41%
Loans $115.7M
-1.3% YoY+0.4% QoQ
 $-28.5M $144.1M
+0.2% YoY
 $458.0M
+7.3% YoY
 $402.4M
+8.7% YoY
 46%
Deposits $145.8M
+0.1% YoY-1.0% QoQ
 $-55.3M $201.1M
+0.4% YoY
 $558.1M
+9.3% YoY
 $494.3M
+9.1% YoY
 39%

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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 -0.0%
-107.9% YoY-114.6% QoQ
 -0.8% 0.7%
+5.1% YoY
 0.5%
+20.2% YoY
 0.4%
-39.2% YoY
 Bottom 7.0% in tier
NIM 2.5%
+11.6% YoY+6.0% QoQ
 -1.1% 3.6%
+4.6% YoY
 3.4%
+2.6% YoY
 3.8%
+4.1% YoY
 Bottom 5.0% in tier
Efficiency Ratio 98.2%
+8.3% YoY+5.7% QoQ
 +20.2% 78.0%
-1.7% YoY
 82.5%
-2.2% YoY
 84.6%
+2.8% YoY
 Bottom 3.8% in tier
Delinquency Rate 0.4%
+31.6% YoY-46.5% QoQ
 -0.4 0.8%
+7.1% YoY
 1.2%
+17.1% YoY
 1.2%
+3.4% YoY
 32%
Loan To Share 79.3%
-1.4% YoY+1.4% QoQ
 +8.9% 70.4%
-0.4% YoY
 63.5%
+1.0% YoY
 65.6%
-1.4% YoY
 67%
AMR $18,733
-0.9% YoY-0.4% QoQ
 $-6K $24,918
+2.7% YoY
 $21,172
+3.9% YoY
 $19,920
+1.6% YoY
 25%
CD Concentration 31.5%
+0.9% YoY+0.0% QoQ
 +7.2% 24.3% 21.1% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.3% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk
#56 of 596 • Bottom 50.0% in tier

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

Why This Signature
Efficiency Ratio: 98.22%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.44% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 0.40%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk
#497 of 727 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#210 of 238 • Bottom 50.0% in tier

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

Why This Signature
AMR Growth (YoY): -0.89%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
204
Net Worth Ratio
risk
Value: 14.24%
Peer Median: 11.45%
#204 of 1070 Top 19.0% in 100M-500M tier
228
Net Charge-Off Rate
risk
Value: 0.12%
Peer Median: 0.35%
#228 of 1070 Top 21.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1030
Efficiency Ratio
profitability
Value: 98.22%
Peer Median: 78.68%
#1030 of 1070 Bottom 3.8% in 100M-500M tier
1017
Net Interest Margin (NIM)
profitability
Value: 2.54%
Peer Median: 3.62%
#1017 of 1070 Bottom 5.0% in 100M-500M tier
995
Return on Assets (ROA)
profitability
Value: -0.03%
Peer Median: 0.69%
#995 of 1070 Bottom 7.1% in 100M-500M tier
963
First Mortgage Concentration (%)
balance_sheet
Value: 53.96%
Peer Median: 29.47%
#963 of 1070 Bottom 10.1% in 100M-500M tier
896
AMR Growth Rate
growth
Value: -0.89%
Peer Median: 3.46%
#896 of 1070 Bottom 16.4% in 100M-500M tier
854
Asset Growth Rate
growth
Value: 0.45%
Peer Median: 3.91%
#854 of 1070 Bottom 20.3% in 100M-500M tier
849
Deposit Growth Rate
growth
Value: 0.14%
Peer Median: 3.30%
#849 of 1070 Bottom 20.7% in 100M-500M tier
817
Share Certificate Concentration (%)
balance_sheet
Value: 31.47%
Peer Median: 23.10%
#817 of 1070 Bottom 23.7% in 100M-500M tier
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