BlastPoint's Credit Union Scorecard
NATIONAL POLICE
Charter #2876 · IL
NATIONAL POLICE has 1 strength but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1.9% in tier
- - Institutional Decline: Bottom 10.8% in tier
- - Membership Headwinds: Bottom 24.8% in tier
- - Stagnation Risk: Bottom 27.1% in tier
- - ROA 0.07% below tier average
- - Delinquency rate 0.05% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 6.5% in tier
- - Loan Growth Rate: Bottom 7.1% in tier
- - Total Loans: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,746
-1.4% YoY+0.7% QoQ
|
+3.0K |
39,752
-2.7% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$590.6M
+0.1% YoY+1.0% QoQ
|
$-31.8M |
$622.4M
+0.3% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$298.7M
-8.6% YoY-0.5% QoQ
|
$-137.2M |
$435.9M
-0.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.7% in tier |
| Deposits |
$540.0M
+5.7% YoY+0.3% QoQ
|
+$2.0M |
$538.0M
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.6%
+120.9% YoY+11.9% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
3.0%
+21.3% YoY+2.7% QoQ
|
-0.4% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
76.9%
-10.9% YoY-0.9% QoQ
|
-1.2% |
78.1%
-3.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.8%
-16.8% YoY+10.8% QoQ
|
+0.0 |
0.8%
-4.9% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
55.3%
-13.5% YoY-0.7% QoQ
|
-25.7% |
81.0%
-1.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.9% in tier |
| AMR |
$19,622
+1.6% YoY-0.7% QoQ
|
$-7K |
$26,482
+2.6% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
15% |
| CD Concentration |
25.8%
+17.6% YoY+5.1% QoQ
|
+1.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
55% |
| Indirect Auto % |
10.1%
-38.5% YoY-13.7% QoQ
|
-3.9% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
54% |
Signature Analysis
Strengths (0)
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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 declining year-over-year. Shrinking 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)