BlastPoint's Credit Union Scorecard
ATLANTIC CITY POLICE
Charter #3420 · NJ
ATLANTIC CITY POLICE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.15% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -4.5% YoY
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Total Loans: Bottom 5.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
- - Total Members: Bottom 6.3% in tier
- - Loan Growth Rate: Bottom 8.0% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
- - Total Assets: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
253
-4.5% YoY-0.8% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 6.3% in tier |
| Assets |
$2.1M
+3.6% YoY+3.5% QoQ
|
$-28.1M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.7% in tier |
| Loans |
$276,215
-18.3% YoY-6.5% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.0% in tier |
| Deposits |
$1.6M
+2.4% YoY+4.2% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.1% in tier |
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| ROA |
1.3%
-38.2% YoY-29.1% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
3.7%
-19.2% YoY-15.5% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
65.7%
+17.3% YoY+12.1% QoQ
|
-24.9% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
1.0%
+228.9% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
16.8%
-20.2% YoY-10.2% QoQ
|
-41.7% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.6% in tier |
| AMR |
$7,582
+3.5% YoY+3.3% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
32.9%
+11.2% YoY+0.5% QoQ
|
+8.7% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)