BlastPoint's Credit Union Scorecard
POLICE & FIRE
Charter #2551 · PA
POLICE & FIRE has 6 strengths but faces 8 concerns
How does the industry compare?
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How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Efficiency Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 0.1% in tier
- + Share Certificate Concentration (%): Top 0.1% in tier
- + Total Delinquency Rate (60+ days): Top 4.2% in tier
- + Net Charge-Off Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.2% in tier
- - Credit Quality Pressure: Bottom 75.0% in tier
- - Membership Headwinds: Bottom 83.3% in tier
- - Stagnation Risk: Bottom 83.3% in tier
- - Institutional Decline: Bottom 95.8% in tier
- - Loan Growth Rate: Bottom 8.3% in tier
- - Total Assets: Bottom 8.3% in tier
- - Total Deposits: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
438,038
-1.2% YoY+0.5% QoQ
|
-1.3M |
1,712,610
-8.0% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 12.5% in tier |
| Assets |
$10.2B
+4.3% YoY+1.6% QoQ
|
$-18.0B |
$28.2B
-3.2% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.2% in tier |
| Loans |
$5.7B
-2.9% YoY-0.2% QoQ
|
$-14.4B |
$20.2B
-4.4% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.2% in tier |
| Deposits |
$8.2B
+2.9% YoY+1.4% QoQ
|
$-15.8B |
$24.1B
-2.9% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.2% in tier |
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| ROA |
2.0%
+2.2% YoY+5.3% QoQ
|
+1.1% |
0.9%
+31.5% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 4.2% in tier |
| NIM |
2.7%
+2.8% YoY+0.9% QoQ
|
-0.5% |
3.2%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio |
42.1%
+3.7% YoY+3.1% QoQ
|
-21.8% |
63.9%
-3.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
0.2%
+13.4% YoY-30.9% QoQ
|
-0.7 |
0.9%
-6.9% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 4.2% in tier |
| Loan To Share |
69.4%
-5.6% YoY-1.6% QoQ
|
-16.7% |
86.0%
-3.3% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.2% in tier |
| AMR |
$31,886
+1.6% YoY+0.2% QoQ
|
$-213 |
$32,099
+9.5% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
7.1%
-7.7% YoY-3.1% QoQ
|
-23.1% | 30.2% | 15.4% | 19.8% | Bottom 0.1% in tier |
| Indirect Auto % |
14.6%
-21.5% YoY-3.3% QoQ
|
-0.4% | 14.9% | 8.3% | 7.7% | 58% |
Signature Analysis
Strengths (0)
Concerns (5)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)