BlastPoint's Credit Union Scorecard
GARY POLICE DEPARTMENT EMPLOYEES
Charter #3251 · IN
GARY POLICE DEPARTMENT EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.99% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 177.49% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - Total Members: Bottom 1.1% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 4.4% in tier
- - Total Loans: Bottom 4.5% in tier
- - Total Deposits: Bottom 4.9% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -1.4% year over year ($712K in shares and deposits).
- Membership: 98 members, -3.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 4.48%.
- Efficiency ratio 266.26% vs a 88.77% peer average.
- Loan-to-share ratio 30.60% vs a 58.89% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98
-3.9% YoY-3.0% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Bottom 1.0% in tier |
| Assets |
$1.2M
-4.5% YoY-0.6% QoQ
|
$-29.1M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.2% in tier |
| Loans |
$217,733
-24.1% YoY-5.7% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.4% in tier |
| Deposits |
$711,524
-1.4% YoY+0.1% QoQ
|
$-25.1M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
4.5%
-208.7% YoY-172.8% QoQ
|
+3.0% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 2.1% in tier |
| NIM |
2.6%
-6.0% YoY-7.7% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
266.3%
+6.7% YoY-13.2% QoQ
|
+177.5% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
30.6%
-23.0% YoY-5.8% QoQ
|
-28.3% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.5% in tier |
| AMR |
$9,482
-4.1% YoY+1.7% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 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)