BlastPoint's Credit Union Scorecard
GARY POLICE DEPARTMENT EMPLOYEES
Charter #3251 · IN
2556 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 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 4.33% below tier average
- - Efficiency ratio 142.31% above tier (higher cost structure)
- - Delinquency rate 12.19% above tier average
- - Total Members: Bottom 1.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Members Per Employee (MPE): Bottom 3.8% in tier
- - Total Loans: Bottom 4.5% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Total Assets: Bottom 6.7% in tier
- - Fee Income Per Member: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
101
-1.9% YoY-1.0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 1.3% in tier |
| Assets |
$1.2M
-3.5% YoY-1.8% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.7% in tier |
| Loans |
$242,134
-9.3% YoY-8.7% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.5% in tier |
| Deposits |
$712,787
+0.1% YoY-0.8% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.2% in tier |
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| ROA |
-3.7%
+27.5% YoY+17.4% QoQ
|
-4.3% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.4% in tier |
| NIM |
3.0%
-16.2% YoY+5.3% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
224.9%
+24.7% YoY+6.1% QoQ
|
+142.3% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
13.7%
+931.3% YoY+50.8% QoQ
|
+12.2 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 1.6% in tier |
| Loan To Share |
34.0%
-9.4% YoY-7.9% QoQ
|
-26.6% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.5% in tier |
| AMR |
$9,455
-0.5% YoY-2.0% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
3
Net Charge-Off Rate
risk
Value:
-5.04%
Peer Median: -
#3 of 2556
Top 0.1% in <100M tier
46
Net Worth Ratio
risk
Value:
42.63%
Peer Median: -
#46 of 2556
Top 1.8% in <100M tier
Top Weaknesses (14 metrics)
2535
Efficiency Ratio
profitability
Value:
224.87%
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2524
Total Members
engagement
Value:
101
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2520
Return on Assets (ROA)
profitability
Value:
-3.71%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2516
Total Delinquency Rate (60+ days)
risk
Value:
13.75%
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2459
Members Per Employee (MPE)
engagement
Value:
50.500
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2442
Total Loans
balance_sheet
Value:
$242,134
Peer Median: -
#2442 of 2556
Bottom 4.5% in <100M tier
2423
Total Deposits
balance_sheet
Value:
$712,787
Peer Median: -
#2423 of 2556
Bottom 5.2% in <100M tier
2386
Total Assets
balance_sheet
Value:
$1.24M
Peer Median: -
#2386 of 2556
Bottom 6.7% in <100M tier
2383
Fee Income Per Member
profitability
Value:
$0.99
Peer Median: -
#2383 of 2556
Bottom 6.8% in <100M tier
2210
Loan-to-Share Ratio
balance_sheet
Value:
33.97%
Peer Median: -
#2210 of 2556
Bottom 13.6% in <100M tier