BlastPoint's Credit Union Scorecard

POLICE & FIRE

Charter #2551 · PA

Titans 10B+

25 CUs in 10B+ nationally 1 in PA

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POLICE & FIRE has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.93% above tier average
+ Efficiency Ratio: Top 0.1% in tier
+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ Net Worth Ratio: Top 0.1% in tier
+ Share Certificate Concentration (%): Top 0.1% in tier
+ Net Charge-Off Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.0% in tier
- Credit Quality Pressure: Bottom 60.0% in tier
- Membership Headwinds: Bottom 84.0% in tier
- Stagnation Risk: Bottom 84.0% in tier
- Institutional Decline: Bottom 96.0% in tier
- Total Assets: Bottom 8.0% in tier
- Total Deposits: Bottom 8.0% in tier
- Total Loans: Bottom 8.0% 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 25 credit unions with $10B+ in assets nationally, and 1 of 1 that size in Pennsylvania.
Shares and deposits +3.4% year over year ($8.27B in shares and deposits).
Membership: 432,372 members, -1.1% vs a year ago.
Delinquency rate 0.24%.
Return on assets 1.96%.
Efficiency ratio 41.99% vs a 61.57% peer average.
Loan-to-share ratio 68.94% vs a 87.50% 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 (PA)	National Avg	Tier Percentile
Members	432,372 -1.1% YoY-1.3% QoQ	-1.2M	1,671,910 -4.2% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	16%
Assets	$10.2B +4.7% YoY+0.8% QoQ	$-17.4B	$27.7B +0.2% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	Bottom 4.0% in tier
Loans	$5.7B -1.9% YoY-0.3% QoQ	$-14.3B	$20.0B -0.9% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	Bottom 4.0% in tier
Deposits	$8.3B +3.4% YoY+0.3% QoQ	$-15.3B	$23.5B +0.4% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	Bottom 4.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	2.0% +0.5% YoY-0.2% QoQ	+0.9%	1.0% +45.0% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	Top 8.0% in tier
NIM	2.7% +2.1% YoY-0.2% QoQ	-0.5%	3.2% +5.4% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	Bottom 12.0% in tier
Efficiency Ratio	42.0% +3.5% YoY-0.2% QoQ	-19.6%	61.6% -6.2% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Top 0.1% in tier
Delinquency Rate	0.2% +18.0% YoY+46.0% QoQ	-0.8	1.0% -2.7% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	Top 0.1% in tier
Loan To Share	68.9% -5.1% YoY-0.6% QoQ	-18.6%	87.5% -3.0% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	Bottom 4.0% in tier
AMR	$32,321 +2.3% YoY+1.4% QoQ	$-528	$32,850 +5.7% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	56%
CD Concentration	7.0% -7.5% YoY-1.7% QoQ	-23.2%	30.2%	15.6%	20.0%	Bottom 0.1% in tier
Indirect Auto %	13.6% -22.5% YoY-7.0% QoQ	-1.4%	15.0%	8.4%	7.7%	52%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Overhang

risk

#1 of 2 • Bottom 4.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.56%

(Tier: 11.27%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 68.94%

(Tier: 87.50%, National: 66.39%)

worse than tier avg

2 of 25 Titans CUs have this signature | 148 nationally

→ No prior data (2 CUs now)

Credit Quality Pressure

risk

#15 of 21 • Bottom 60.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.08% points, National: 0.08% points)

but better than tier avg

21 of 25 Titans CUs have this signature | 962 nationally

→ Stable (16→21 CUs) +5 CUs YoY | New qualifier

Institutional Decline

decline

#3 of 3 • Bottom 96.0% in tier

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

Why This Signature

Total Assets: $10.23B

(Tier: $27.66B, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.09%

(Tier: 7.74%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.92%

(Tier: 12.76%, National: 78.26%)

worse than tier avg

3 of 25 Titans CUs have this signature | 261 nationally

→ Stable (1→3 CUs) +2 CUs YoY

Membership Headwinds

decline

#5 of 5 • Bottom 84.0% in tier

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

Why This Signature

Member Growth (YoY): -1.09%

(Tier: 7.74%, National: 15.67%)

worse than tier avg

5 of 25 Titans CUs have this signature | 653 nationally

→ Stable (3→5 CUs) +2 CUs YoY

Stagnation Risk

risk

#5 of 5 • Bottom 84.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.09%

(Tier: 7.74%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.92%

(Tier: 12.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.24%

(Tier: 1.02%, National: 1.26%)

but better than tier avg

5 of 25 Titans CUs have this signature | 653 nationally

→ Stable (3→5 CUs) +2 CUs YoY | Rank worsening

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 25 peers in tier

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 41.99%

Peer Median: 61.07%

#1 of 25 Top 0.1% in 10B+ tier

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: 0.92%

#1 of 25 Top 0.1% in 10B+ tier

Net Worth Ratio

risk

Value: 18.56%

Peer Median: 10.72%

#1 of 25 Top 0.1% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.00%

Peer Median: 31.60%

#1 of 25 Top 0.1% in 10B+ tier

Return on Assets (ROA)

profitability

Value: 1.96%

Peer Median: 0.88%

#2 of 25 Top 4.0% in 10B+ tier

Net Charge-Off Rate

risk

Value: 0.33%

Peer Median: 0.75%

#3 of 25 Top 8.0% in 10B+ tier

Members Per Employee (MPE)

engagement

Value: 520.303

Peer Median: 431.551

#7 of 25 Top 24.0% in 10B+ tier

Top Weaknesses (8 metrics)

Total Assets

balance_sheet

Value: $10.23B

Peer Median: $19.38B

#24 of 25 Bottom 8.0% in 10B+ tier

Total Deposits

balance_sheet

Value: $8.27B

Peer Median: $15.58B

#24 of 25 Bottom 8.0% in 10B+ tier

Total Loans

balance_sheet

Value: $5.70B

Peer Median: $13.76B

#24 of 25 Bottom 8.0% in 10B+ tier

Loan-to-Share Ratio

balance_sheet

Value: 68.94%

Peer Median: 88.75%

#24 of 25 Bottom 8.0% in 10B+ tier

Net Interest Margin (NIM)

profitability

Value: 2.70%

Peer Median: 3.16%

#22 of 25 Bottom 16.0% in 10B+ tier

Loan Growth Rate

growth

Value: -1.92%

Peer Median: 7.18%

#22 of 25 Bottom 16.0% in 10B+ tier

Member Growth Rate

growth

Value: -1.09%

Peer Median: 4.14%

#21 of 25 Bottom 20.0% in 10B+ tier

Total Members

engagement

Value: 432,372

Peer Median: 958,216

#21 of 25 Bottom 20.0% in 10B+ tier