BlastPoint's Credit Union Scorecard
WORCESTER POLICE DEPARTMENT
Charter #24868 · MA
WORCESTER POLICE DEPARTMENT has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Asset Growth Rate: Top 7.9% in tier
- + Deposit Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 5.45% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,256
+2.4% YoY+1.2% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$25.4M
+10.4% YoY+2.1% QoQ
|
$-4.4M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$19.3M
-1.8% YoY+1.3% QoQ
|
+$3.5M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$22.2M
+9.7% YoY+2.3% QoQ
|
$-3.3M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
0.5%
-39.5% YoY-12.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.7%
-13.7% YoY-3.9% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
86.8%
+15.4% YoY+0.4% QoQ
|
+5.5% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.4%
-43.7% YoY-55.1% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
86.8%
-10.4% YoY-0.9% QoQ
|
+25.6% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 14.5% in tier |
| AMR |
$32,987
+1.6% YoY+0.6% QoQ
|
+$18K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 2.5% in tier |
| CD Concentration |
21.3%
+15.1% YoY+12.1% QoQ
|
-3.1% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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)