BlastPoint's Credit Union Scorecard
POLICE & FIRE
Charter #2551 · PA
POLICE & FIRE has 6 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Efficiency Ratio: Top 0.0% in tier
- + Total Assets: Top 0.0% in tier
- + Net Worth Ratio: Top 3.0% in tier
- + Total Delinquency Rate (60+ days): Top 6.1% in tier
- + Share Certificate Concentration (%): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 20.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 62.5% in tier
- - Credit Quality Pressure: Bottom 66.7% in tier
- - Indirect Auto Dependency: Bottom 85.3% in tier
- - Member decline: -4.1% YoY
- - Loan Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
436,024
-4.1% YoY-0.7% QoQ
|
-9.9K |
445,922
+0.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$10.0B
+5.3% YoY+1.9% QoQ
|
+$1.1B |
$8.9B
+0.9% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 3.0% in tier |
| Loans |
$5.7B
-4.5% YoY+0.2% QoQ
|
$-523.7M |
$6.3B
+0.8% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$8.1B
+4.2% YoY+2.0% QoQ
|
+$615.8M |
$7.5B
+1.2% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
1.9%
+17.9% YoY-5.5% QoQ
|
+0.9% |
1.0%
+27.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 6.1% in tier |
| NIM |
2.7%
+17.9% YoY+0.3% QoQ
|
-0.3% |
3.0%
+12.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
40.8%
-7.7% YoY+0.5% QoQ
|
-24.0% |
64.8%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
0.2%
+32.9% YoY+22.6% QoQ
|
-0.5 |
0.7%
+5.5% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 6.1% in tier |
| Loan To Share |
70.5%
-8.3% YoY-1.8% QoQ
|
-12.9% |
83.4%
-0.6% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$31,807
+4.6% YoY+2.0% QoQ
|
$-2K |
$34,266
-1.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
7.4%
-9.0% YoY-3.0% QoQ
|
-21.8% | 29.1% | 15.5% | 19.8% | Bottom 4.5% in tier |
| Indirect Auto % |
15.1%
-22.6% YoY-6.9% QoQ
|
-2.0% | 17.1% | 8.1% | 7.8% | 48% |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)