BlastPoint's Credit Union Scorecard
NATIONAL POLICE
Charter #2876 · IL
NATIONAL POLICE has 1 strength but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37.1% in tier
- - Credit Quality Pressure: Bottom 53.1% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 0.16% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Illinois.
- Shares and deposits +0.7% year over year ($542M in shares and deposits).
- Membership: 42,634 members, +0.4% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 0.61%.
- Efficiency ratio 76.72% vs a 76.56% peer average.
- Loan-to-share ratio 58.48% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,634
+0.4% YoY+0.7% QoQ
|
+4.7K |
37,897
-5.0% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$620.7M
+6.1% YoY+0.9% QoQ
|
$-1.7M |
$622.4M
+0.6% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$317.2M
+5.7% YoY+2.1% QoQ
|
$-111.3M |
$428.5M
-0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.5% in tier |
| Deposits |
$542.5M
+0.7% YoY-0.2% QoQ
|
+$2.7M |
$539.8M
+0.9% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
50% |
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| ROA |
0.6%
+17.4% YoY+6.8% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
3.1%
+3.0% YoY+1.5% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
76.7%
-1.1% YoY-2.1% QoQ
|
+0.2% |
76.6%
-3.6% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
0.8%
+0.3% YoY+13.6% QoQ
|
+0.0 |
0.8%
+3.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
58.5%
+4.9% YoY+2.3% QoQ
|
-20.8% |
79.3%
-1.4% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.7% in tier |
| AMR |
$20,165
+2.0% YoY-0.0% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
26.0%
+5.9% YoY+4.8% QoQ
|
+1.5% | 24.6% | 14.0% | 20.0% | 57% |
| Indirect Auto % |
5.7%
-50.9% YoY-17.8% QoQ
|
-7.9% | 13.6% | 6.8% | 7.7% | 46% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)