BlastPoint's Credit Union Scorecard
GARY POLICE DEPARTMENT EMPLOYEES
Charter #3251 · IN
2596 CUs in <100M nationally
82 in IN
GARY POLICE DEPARTMENT EMPLOYEES has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.1% in tier
- + Net Worth Ratio: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 3.84% below tier average
- - Efficiency ratio 130.56% above tier (higher cost structure)
- - Delinquency rate 7.60% above tier average
- - Total Members: Bottom 1.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Members Per Employee (MPE): Bottom 3.8% in tier
- - Total Loans: Bottom 4.8% in tier
- - Total Deposits: Bottom 5.5% in tier
- - Total Assets: Bottom 7.0% in tier
- - Fee Income Per Member: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
102
-1.0% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 1.3% in tier |
| Assets |
$1.3M
-2.9% YoY-0.5% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.0% in tier |
| Loans |
$265,145
-4.6% YoY-7.6% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.8% in tier |
| Deposits |
$718,669
+0.9% YoY-0.4% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.4% in tier |
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| ROA |
-3.2%
+29.2% YoY-23.3% QoQ
|
-3.8% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.9% in tier |
| NIM |
2.8%
-17.2% YoY+2.3% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio |
212.0%
+24.9% YoY-15.0% QoQ
|
+130.6% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
9.1%
+438.2% YoY+5.8% QoQ
|
+7.6 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.5% in tier |
| Loan To Share |
36.9%
-5.5% YoY-7.2% QoQ
|
-24.3% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$9,645
+0.3% YoY-2.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
3
Net Charge-Off Rate
risk
Value:
-5.98%
Peer Avg: -
#3 of 2596
Top 0.1% in <100M tier
46
Net Worth Ratio
risk
Value:
43.18%
Peer Avg: -
#46 of 2596
Top 1.7% in <100M tier
Top Weaknesses (13 metrics)
2567
Efficiency Ratio
profitability
Value:
211.96%
Peer Avg: -
#2567 of 2596
Bottom 1.2% in <100M tier
2559
Total Members
engagement
Value:
102
Peer Avg: -
#2559 of 2596
Bottom 1.5% in <100M tier
2546
Return on Assets (ROA)
profitability
Value:
-3.16%
Peer Avg: -
#2546 of 2596
Bottom 2.0% in <100M tier
2532
Total Delinquency Rate (60+ days)
risk
Value:
9.11%
Peer Avg: -
#2532 of 2596
Bottom 2.5% in <100M tier
2498
Members Per Employee (MPE)
engagement
Value:
51.000
Peer Avg: -
#2498 of 2596
Bottom 3.8% in <100M tier
2472
Total Loans
balance_sheet
Value:
$265,145
Peer Avg: -
#2472 of 2596
Bottom 4.8% in <100M tier
2455
Total Deposits
balance_sheet
Value:
$718,669
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2415
Total Assets
balance_sheet
Value:
$1.26M
Peer Avg: -
#2415 of 2596
Bottom 7.0% in <100M tier
2385
Fee Income Per Member
profitability
Value:
$1.31
Peer Avg: -
#2385 of 2596
Bottom 8.2% in <100M tier
2247
Net Interest Margin (NIM)
profitability
Value:
2.81%
Peer Avg: -
#2247 of 2596
Bottom 13.5% in <100M tier