BlastPoint's Credit Union Scorecard

POLICE & FIRE

Charter #2551 · PA

Large 7B-10B

30 CUs in 7B-10B nationally 3 in PA

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POLICE & FIRE has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 6.7% in tier
+ Credit Quality Leader: Top 26.7% in tier
+ ROA 0.95% above tier average
+ Efficiency Ratio: Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 3.3% in tier
+ Net Worth Ratio: Top 3.3% in tier
+ Share Certificate Concentration (%): Top 6.7% in tier
+ Total Assets: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 8.7% in tier
- Institutional Decline: Bottom 22.2% in tier
- Indirect Auto Dependency: Bottom 23.2% in tier
- Membership Headwinds: Bottom 26.1% in tier
- Credit Quality Pressure: Bottom 26.2% in tier
- Liquidity Overhang: Bottom 33.3% in tier
- Member decline: -2.7% YoY
- Loan Growth Rate: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	439,277 -2.7% YoY+0.5% QoQ	-20.0K	459,296 +3.8% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	47%
Assets	$9.8B +5.5% YoY+0.3% QoQ	+$878.5M	$8.9B +1.2% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	Top 10.0% in tier
Loans	$5.7B -5.3% YoY-1.6% QoQ	$-618.3M	$6.3B +2.9% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	27%
Deposits	$8.0B +4.3% YoY-0.3% QoQ	+$520.1M	$7.5B +2.3% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.0% +33.8% YoY+1.3% QoQ	+0.9%	1.0% +22.1% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	Top 6.7% in tier
NIM	2.7% +21.4% YoY+1.1% QoQ	-0.3%	3.0% +11.5% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	23%
Efficiency Ratio	40.6% -12.1% YoY+0.1% QoQ	-23.1%	63.7% -2.2% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	Bottom 0.0% in tier
Delinquency Rate	0.2% +0.8% YoY-4.6% QoQ	-0.5	0.7% +10.8% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	Bottom 3.3% in tier
Loan To Share	71.8% -9.2% YoY-1.3% QoQ	-13.7%	85.4% +0.7% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	20%
AMR	$31,180 +2.8% YoY-1.3% QoQ	$-2K	$33,660 -2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	60%
CD Concentration	7.6% -8.7% YoY+0.2% QoQ	-21.3%	28.9% -1.3% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	Bottom 4.7% in tier
Indirect Auto %	16.2% -19.5% YoY-7.3% QoQ	-0.4%	16.6% -10.3% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#2 of 16 • Top 6.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.98%

(Tier: 0.91%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.50% points

(Tier: 0.13% points, National: 0.05% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY | Rank improving

Credit Quality Leader

growth

#5 of 16 • Top 26.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.19%

(Tier: 0.65%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY

Concerns (6)

Stagnation Risk

risk

#3 of 10 • Bottom 8.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.75%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.34%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.19%

(Tier: 0.65%, National: 1.23%)

but better than tier avg

10 of 64 Large CUs have this signature | 648 nationally

↑ Growing +7 CUs YoY | New qualifier

Institutional Decline

decline

#3 of 5 • Bottom 22.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $9.80B

(Tier: $7.26B, National: $547.69M)

but better than tier avg

Member Growth (YoY): -2.75%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.34%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

5 of 64 Large CUs have this signature | 293 nationally

→ Stable (1→5 CUs) +4 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#24 of 33 • Bottom 23.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.51%

(Tier: 4.60%, National: 3.04%)

but better than tier avg

Indirect Auto %: 16.20%

(Tier: 16.60%, National: 7.90%)

but better than tier avg

Member Growth (YoY): -2.75%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 CUs YoY

Membership Headwinds

decline

#7 of 10 • Bottom 26.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.75%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

10 of 64 Large CUs have this signature | 648 nationally

↑ Growing +7 CUs YoY | New qualifier

Credit Quality Pressure

risk

#33 of 34 • Bottom 26.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY | Rank improving

Liquidity Overhang

risk

#2 of 4 • Bottom 33.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.99%

(Tier: 11.62%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 71.77%

(Tier: 84.48%, National: 67.96%)

worse than tier avg

4 of 64 Large CUs have this signature | 155 nationally

→ Stable (3→4 CUs) +1 CUs YoY

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)

Compare against:

Comparing against 30 peers in tier

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 40.59%

Peer Avg: -

#1 of 30 Top 0.0% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 1.98%

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Net Worth Ratio

risk

Value: 17.99%

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.59%

Peer Avg: -

#3 of 30 Top 6.7% in 7B-10B tier

Total Assets

balance_sheet

Value: $9.80B

Peer Avg: -

#3 of 30 Top 6.7% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 537.671

Peer Avg: -

#7 of 30 Top 20.0% in 7B-10B tier

Top Weaknesses (3 metrics)

Loan Growth Rate

growth

Value: -5.34%

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

Member Growth Rate

growth

Value: -2.75%

Peer Avg: -

#26 of 30 Bottom 16.7% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 71.77%

Peer Avg: -

#24 of 30 Bottom 23.3% in 7B-10B tier