BlastPoint's Credit Union Scorecard
UTICA POLICE DEPARTMENT
Charter #2208 · NY
UTICA POLICE DEPARTMENT has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Loan-to-Share Ratio: Top 4.7% in tier
- + Net Worth Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.29% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - Fee Income Per Member: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
601
-0.8% YoY-1.5% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$6.3M
+5.7% YoY+3.5% QoQ
|
$-23.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$4.2M
-4.9% YoY-4.3% QoQ
|
$-11.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$4.4M
+6.3% YoY+4.5% QoQ
|
$-21.4M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
0.2%
-76.3% YoY-73.0% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
3.0%
+9.6% YoY+3.4% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
92.9%
+38.1% YoY+27.6% QoQ
|
+2.3% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
1.9%
-72.1% YoY-55.4% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
95.3%
-10.5% YoY-8.4% QoQ
|
+36.8% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 4.8% in tier |
| AMR |
$14,379
+1.4% YoY+1.5% QoQ
|
$-505 |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)