BlastPoint's Credit Union Scorecard
GARY POLICE DEPARTMENT EMPLOYEES
Charter #3251 · IN
GARY POLICE DEPARTMENT EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 0.1% in tier
- + Net Worth Ratio: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - ROA 6.31% below tier average
- - Efficiency ratio 216.04% above tier (higher cost structure)
- - Delinquency rate 8.19% above tier average
- - Total Members: Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - Members Per Employee (MPE): Bottom 3.9% in tier
- - Total Loans: Bottom 4.5% in tier
- - Total Deposits: Bottom 5.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
101
-1.9% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 1.2% in tier |
| Assets |
$1.2M
-4.8% YoY-1.7% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.4% in tier |
| Loans |
$230,911
-14.2% YoY-4.6% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.5% in tier |
| Deposits |
$711,084
-1.4% YoY-0.2% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.1% in tier |
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| ROA |
-6.2%
+30.1% YoY+66.1% QoQ
|
-6.3% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.4% in tier |
| NIM |
2.8%
+1.7% YoY-5.5% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio |
306.7%
+13.0% YoY+36.4% QoQ
|
+216.0% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
9.7%
+945.7% YoY-29.5% QoQ
|
+8.2 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.6% in tier |
| Loan To Share |
32.5%
-13.0% YoY-4.4% QoQ
|
-26.0% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.7% in tier |
| AMR |
$9,327
-3.0% YoY-1.4% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 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)