BlastPoint's Credit Union Scorecard
POLICE
Charter #16401 · MD
POLICE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- - 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
|
52% |
| 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
|
41% |
| 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
|
45% |
| 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
|
38% |
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| 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
|
15% |
| 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
|
29% |
| 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
|
63% |
| 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
|
27% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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 (<20%). Healthy, sustainable growth model.
Concerns (2)
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)