BlastPoint's Credit Union Scorecard
ATLANTIC CITY POLICE
Charter #3420 · NJ
2596 CUs in <100M nationally
101 in NJ
ATLANTIC CITY POLICE has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.55% above tier average
- + Net Interest Margin 0.58% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - Loan-to-Share Ratio: Bottom 4.2% in tier
- - Total Loans: Bottom 5.3% in tier
- - Total Members: Bottom 6.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.9% in tier
- - Members Per Employee (MPE): Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
260
-2.3% YoY-1.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 6.7% in tier |
| Assets |
$2.0M
+0.7% YoY+3.0% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.0% in tier |
| Loans |
$308,601
+1.0% YoY-2.6% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.3% in tier |
| Deposits |
$1.6M
-1.9% YoY+3.0% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.5% in tier |
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| ROA |
2.2%
-18.4% YoY+10.9% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 5.9% in tier |
| NIM |
4.5%
-14.4% YoY-3.1% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
51.2%
+2.2% YoY-9.2% QoQ
|
-30.2% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
19.1%
+2.9% YoY-5.4% QoQ
|
-42.2% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.0% in tier |
| AMR |
$7,410
+0.8% YoY+3.6% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
31.1%
-2.3% YoY-1.5% QoQ
|
+6.6% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
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
154
Return on Assets (ROA)
profitability
Value:
2.23%
Peer Avg: -
#154 of 2596
Top 5.9% in <100M tier
177
Efficiency Ratio
profitability
Value:
51.18%
Peer Avg: -
#177 of 2596
Top 6.8% in <100M tier
519
Net Worth Ratio
risk
Value:
20.78%
Peer Avg: -
#519 of 2596
Top 20.0% in <100M tier
Top Weaknesses (11 metrics)
2488
Loan-to-Share Ratio
balance_sheet
Value:
19.07%
Peer Avg: -
#2488 of 2596
Bottom 4.2% in <100M tier
2459
Total Loans
balance_sheet
Value:
$308,601
Peer Avg: -
#2459 of 2596
Bottom 5.3% in <100M tier
2420
Total Members
engagement
Value:
260
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier
2418
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,187
Peer Avg: -
#2418 of 2596
Bottom 6.9% in <100M tier
2383
Members Per Employee (MPE)
engagement
Value:
130.000
Peer Avg: -
#2383 of 2596
Bottom 8.2% in <100M tier
2336
Total Assets
balance_sheet
Value:
$2.05M
Peer Avg: -
#2336 of 2596
Bottom 10.1% in <100M tier
2324
Total Deposits
balance_sheet
Value:
$1.62M
Peer Avg: -
#2324 of 2596
Bottom 10.5% in <100M tier
2188
Share Certificate Concentration (%)
balance_sheet
Value:
31.06%
Peer Avg: -
#2188 of 2596
Bottom 15.8% in <100M tier
2164
Average Member Relationship (AMR)
engagement
Value:
$7,410
Peer Avg: -
#2164 of 2596
Bottom 16.7% in <100M tier
2109
Net Charge-Off Rate
risk
Value:
0.81%
Peer Avg: -
#2109 of 2596
Bottom 18.8% in <100M tier