BlastPoint's Credit Union Scorecard
WORCESTER POLICE DEPARTMENT
Charter #24868 · MA
WORCESTER POLICE DEPARTMENT has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 1.8% in tier
- + Average Member Relationship (AMR): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
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 63 that size in Massachusetts.
- Shares and deposits +2.2% year over year ($22.2M in shares and deposits).
- Membership: 1,265 members, +1.9% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.41%.
- Efficiency ratio 88.79% vs a 88.77% peer average.
- Loan-to-share ratio 86.02% 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 (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,265
+1.9% YoY-0.2% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$25.5M
+2.3% YoY+0.9% QoQ
|
$-4.8M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$19.1M
+0.3% YoY-0.5% QoQ
|
+$3.6M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$22.2M
+2.2% YoY+0.8% QoQ
|
$-3.6M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.4%
-27.8% YoY+9.9% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.8%
-0.7% YoY+3.7% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
88.8%
+2.7% YoY-1.9% QoQ
|
+0.0% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.5%
-41.6% YoY+137.9% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
86.0%
-1.8% YoY-1.4% QoQ
|
+27.1% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
Top 13.0% in tier |
| AMR |
$32,585
-0.6% YoY+0.4% QoQ
|
+$18K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 2.8% in tier |
| CD Concentration |
21.0%
+10.8% YoY+1.8% QoQ
|
-3.5% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 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)