BlastPoint's Credit Union Scorecard
UTICA POLICE DEPARTMENT
Charter #2208 · NY
UTICA POLICE DEPARTMENT has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.9% in tier
- + Loan-to-Share Ratio: Top 2.7% in tier
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.75% above tier average
- - Fee Income Per Member: Bottom 3.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
610
-1.3% YoY+0.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$6.1M
+3.0% YoY-0.7% QoQ
|
$-24.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$4.4M
-3.9% YoY+1.5% QoQ
|
$-11.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$4.2M
+2.5% YoY-1.5% QoQ
|
$-21.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+16.9% YoY+38.8% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
2.9%
-13.9% YoY+3.0% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
72.8%
+21.3% YoY-8.8% QoQ
|
-9.7% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
4.3%
-23.4% YoY-15.0% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 7.7% in tier |
| Loan To Share |
104.1%
-6.2% YoY+3.0% QoQ
|
+43.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 2.9% in tier |
| AMR |
$14,164
+0.4% YoY-0.4% QoQ
|
$-619 |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)