BlastPoint's Credit Union Scorecard
NATIONAL POLICE
Charter #2876 · IL
NATIONAL POLICE has 1 strength but faces 3 concerns
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How does IL stack up?
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
- - ROA 0.03% below tier average
- - Loan-to-Share Ratio: Bottom 9.1% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,032
-0.0% YoY-1.7% QoQ
|
+3.5K |
38,575
-4.8% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$589.5M
+2.5% YoY-0.2% QoQ
|
$-32.2M |
$621.7M
+0.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$318.9M
+0.4% YoY+6.8% QoQ
|
$-110.9M |
$429.8M
-1.8% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.1% in tier |
| Deposits |
$537.5M
+4.6% YoY-0.5% QoQ
|
$-1.2M |
$538.7M
+0.6% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
0.6%
+104.5% YoY+6.6% QoQ
|
-0.0% |
0.7%
+42.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.1%
+18.4% YoY+1.5% QoQ
|
-0.4% |
3.4%
+8.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
76.4%
-10.0% YoY-0.6% QoQ
|
-1.1% |
77.5%
-4.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.8%
-20.4% YoY-9.8% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
59.3%
-4.1% YoY+7.3% QoQ
|
-20.5% |
79.8%
-2.3% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.5% in tier |
| AMR |
$20,376
+3.0% YoY+3.8% QoQ
|
$-6K |
$26,849
+2.7% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
25.2%
+7.0% YoY-2.6% QoQ
|
+0.7% | 24.4% | 14.1% | 19.8% | 53% |
| Indirect Auto % |
8.1%
-45.2% YoY-19.6% QoQ
|
-5.7% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)