BlastPoint's Credit Union Scorecard
UTICA POLICE DEPARTMENT
Charter #2208 · NY
UTICA POLICE DEPARTMENT has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 3.0% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.36% below tier average
- - Efficiency ratio 5.99% above tier (higher cost structure)
- - Delinquency rate 3.00% above tier average
- - Fee Income Per Member: Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
- - Net Interest Margin (NIM): Bottom 7.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +7.0% year over year ($4.4M in shares and deposits).
- Membership: 606 members, -0.2% vs a year ago.
- Delinquency rate 4.55%.
- Return on assets 0.13%.
- Efficiency ratio 94.75% vs a 88.77% peer average.
- Loan-to-share ratio 100.47% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
606
-0.2% YoY+0.8% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$6.3M
+5.9% YoY-0.1% QoQ
|
$-24.0M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$4.4M
+4.3% YoY+5.2% QoQ
|
$-11.0M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$4.4M
+7.0% YoY-0.2% QoQ
|
$-21.4M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.1%
-82.4% YoY-37.2% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.6% in tier |
| NIM |
2.6%
-5.0% YoY-15.3% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio |
94.8%
+32.3% YoY+2.0% QoQ
|
+6.0% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
4.6%
-29.3% YoY+136.9% QoQ
|
+3.0 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.3% in tier |
| Loan To Share |
100.5%
-2.5% YoY+5.4% QoQ
|
+41.6% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 3.1% in tier |
| AMR |
$14,605
+5.8% YoY+1.6% QoQ
|
$-358 |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 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)