NATIONAL POLICE

Charter #2876 | IL

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in IL

NATIONAL POLICE has 3 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 32.8% in tier
  • + Relationship Depth Leader: Top 35.7% in tier
  • + 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
 63rd in tier
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
 38th in tier
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
 52nd in tier
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
 46th in tier
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
 Bottom 24.9% in tier
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
 42nd in tier
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
 66th in tier
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
 Bottom 15.4% in tier
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
 55th in tier
Indirect Auto % 10.1%
-38.5% YoY-13.7% QoQ
 -3.9% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 54th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#905 of 1006 • Top 32.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.56%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#984 of 1006 • Top 35.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.56%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Flatlined Growth

risk
#3 of 58 • Bottom 1.9% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $590.61M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Asset Growth (YoY): 0.07%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.59%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Institutional Decline

decline
#86 of 256 • Bottom 10.8% in tier

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

Why This Signature
Total Assets: $590.61M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -8.61%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#409 of 550 • Bottom 24.8% in tier

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

Why This Signature
Member Growth (YoY): -1.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#447 of 550 • Bottom 27.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.59%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 25.83%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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)

Comparing against 169 peers in tier

Top Strengths (1 metrics)

6
Members Per Employee (MPE)
engagement
Value: 562.447
Peer Avg: 338.010
#6 of 169 Top 3.0% in 500M-750M tier

Top Weaknesses (9 metrics)

164
Loan-to-Member Ratio (LMR)
engagement
Value: $6,988
Peer Avg: $11,805
#164 of 169 Bottom 3.6% in 500M-750M tier
159
Loan-to-Share Ratio
balance_sheet
Value: 55.31%
Peer Avg: 81.02%
#159 of 169 Bottom 6.5% in 500M-750M tier
158
Loan Growth Rate
growth
Value: -8.61%
Peer Avg: 4.04%
#158 of 169 Bottom 7.1% in 500M-750M tier
156
Total Loans
balance_sheet
Value: $298.71M
Peer Avg: $435.95M
#156 of 169 Bottom 8.3% in 500M-750M tier
145
Fee Income Per Member
profitability
Value: $130.46
Peer Avg: $199.27
#145 of 169 Bottom 14.8% in 500M-750M tier
143
Average Member Relationship (AMR)
engagement
Value: $19,622
Peer Avg: $26,482
#143 of 169 Bottom 16.0% in 500M-750M tier
138
Net Worth Ratio
risk
Value: 8.91%
Peer Avg: 10.94%
#138 of 169 Bottom 18.9% in 500M-750M tier
135
Asset Growth Rate
growth
Value: 0.07%
Peer Avg: 4.33%
#135 of 169 Bottom 20.7% in 500M-750M tier
128
Member Growth Rate
growth
Value: -1.42%
Peer Avg: 1.75%
#128 of 169 Bottom 24.9% in 500M-750M tier