BlastPoint's Credit Union Scorecard
UTICA POLICE DEPARTMENT
Charter #2208 · NY
2596 CUs in <100M nationally
188 in NY
UTICA POLICE DEPARTMENT has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
- + Loan-to-Share Ratio: Top 3.5% in tier
- + Net Worth Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Delinquency rate 3.56% above tier average
- - Fee Income Per Member: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
607
-0.3% YoY0% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$6.1M
+3.5% YoY+3.1% QoQ
|
$-23.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$4.3M
-7.7% YoY+2.0% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$4.3M
+3.7% YoY+4.1% QoQ
|
$-21.2M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
20% |
| ROA |
0.6%
+102.9% YoY-25.2% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
2.8%
-20.3% YoY+5.4% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio |
79.8%
+8.8% YoY+11.5% QoQ
|
-1.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
5.1%
-16.5% YoY-21.3% QoQ
|
+3.6 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 6.0% in tier |
| Loan To Share |
101.1%
-11.1% YoY-2.0% QoQ
|
+39.8% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 3.7% in tier |
| AMR |
$14,228
-2.0% YoY+3.0% QoQ
|
$-399 |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
78
Net Charge-Off Rate
risk
Value:
-0.18%
Peer Avg: 0.57%
#78 of 2596
Top 3.0% in <100M tier
93
Loan-to-Share Ratio
balance_sheet
Value:
101.06%
Peer Avg: 61.23%
#93 of 2596
Top 3.5% in <100M tier
195
Net Worth Ratio
risk
Value:
27.93%
Peer Avg: 16.43%
#195 of 2596
Top 7.5% in <100M tier
645
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,152
Peer Avg: $5,488
#645 of 2596
Top 24.8% in <100M tier
Top Weaknesses (6 metrics)
2487
Fee Income Per Member
profitability
Value:
$0.01
Peer Avg: $182.96
#2487 of 2596
Bottom 4.2% in <100M tier
2441
Total Delinquency Rate (60+ days)
risk
Value:
5.07%
Peer Avg: 1.51%
#2441 of 2596
Bottom 6.0% in <100M tier
2238
Net Interest Margin (NIM)
profitability
Value:
2.84%
Peer Avg: 3.93%
#2238 of 2596
Bottom 13.8% in <100M tier
2169
Total Members
engagement
Value:
607
Peer Avg: 2,626
#2169 of 2596
Bottom 16.5% in <100M tier
2066
Total Deposits
balance_sheet
Value:
$4.30M
Peer Avg: $25.45M
#2066 of 2596
Bottom 20.5% in <100M tier
1995
Total Assets
balance_sheet
Value:
$6.10M
Peer Avg: $29.86M
#1995 of 2596
Bottom 23.2% in <100M tier