BlastPoint's Credit Union Scorecard
ATLANTIC CITY POLICE
Charter #3420 · NJ
ATLANTIC CITY POLICE faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Delinquency rate 0.47% above tier average
- - Member decline: -3.8% YoY
- - Loan-to-Share Ratio: Bottom 3.4% in tier
- - Total Loans: Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Total Members: Bottom 6.5% in tier
- - Members Per Employee (MPE): Bottom 8.0% 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 97 that size in New Jersey.
- Shares and deposits +4.2% year over year ($1.6M in shares and deposits).
- Membership: 254 members, -3.8% vs a year ago.
- Delinquency rate 2.02%.
- Return on assets 1.32%.
- Efficiency ratio 65.29% vs a 88.77% peer average.
- Loan-to-share ratio 15.86% 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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
254
-3.8% YoY+0.4% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 6.5% in tier |
| Assets |
$2.1M
+4.8% YoY+0.1% QoQ
|
$-28.2M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.5% in tier |
| Loans |
$259,559
-18.1% YoY-6.0% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.8% in tier |
| Deposits |
$1.6M
+4.2% YoY-0.3% QoQ
|
$-24.2M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.0% in tier |
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| ROA |
1.3%
-34.1% YoY+2.4% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
3.7%
-21.0% YoY+0.3% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
65.3%
+15.8% YoY-0.7% QoQ
|
-23.5% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
2.0%
+110.1% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
15.9%
-21.4% YoY-5.7% QoQ
|
-43.0% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.3% in tier |
| AMR |
$7,466
+4.4% YoY-1.5% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
34.4%
+9.0% YoY+4.3% QoQ
|
+9.8% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)