BlastPoint's Credit Union Scorecard
NEWARK POLICE
Charter #4611 · NJ
2596 CUs in <100M nationally
101 in NJ
NEWARK POLICE has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.81% above tier average
- + Net Interest Margin 5.62% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.2% in tier
- + Net Worth Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.42% above tier average
- - Deposit Growth Rate: Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,198
-1.7% YoY-0.7% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$5.1M
-4.7% YoY-1.4% QoQ
|
$-24.8M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$3.4M
-3.7% YoY-0.5% QoQ
|
$-12.4M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$3.3M
-9.6% YoY-3.2% QoQ
|
$-22.1M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
17% |
| ROA |
2.5%
+66.4% YoY+12.2% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 3.7% in tier |
| NIM |
9.6%
+4.8% YoY+1.5% QoQ
|
+5.6% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
61.0%
+0.7% YoY-0.8% QoQ
|
-20.4% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
15% |
| Delinquency Rate |
3.9%
+8.2% YoY+0.7% QoQ
|
+2.4 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 8.6% in tier |
| Loan To Share |
101.9%
+6.5% YoY+2.8% QoQ
|
+40.7% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 3.4% in tier |
| AMR |
$5,612
-5.1% YoY-1.2% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
5
Net Interest Margin (NIM)
profitability
Value:
9.55%
Peer Avg: 3.93%
#5 of 2596
Top 0.2% in <100M tier
84
Loan-to-Share Ratio
balance_sheet
Value:
101.90%
Peer Avg: 61.23%
#84 of 2596
Top 3.2% in <100M tier
95
Return on Assets (ROA)
profitability
Value:
2.49%
Peer Avg: 0.68%
#95 of 2596
Top 3.6% in <100M tier
100
Net Worth Ratio
risk
Value:
34.11%
Peer Avg: 16.43%
#100 of 2596
Top 3.8% in <100M tier
398
Efficiency Ratio
profitability
Value:
61.00%
Peer Avg: 81.39%
#398 of 2596
Top 15.3% in <100M tier
Top Weaknesses (9 metrics)
2396
Deposit Growth Rate
growth
Value:
-9.58%
Peer Avg: 16.80%
#2396 of 2596
Bottom 7.7% in <100M tier
2375
Total Delinquency Rate (60+ days)
risk
Value:
3.93%
Peer Avg: 1.51%
#2375 of 2596
Bottom 8.6% in <100M tier
2366
Net Charge-Off Rate
risk
Value:
1.47%
Peer Avg: 0.57%
#2366 of 2596
Bottom 8.9% in <100M tier
2316
Average Member Relationship (AMR)
engagement
Value:
$5,612
Peer Avg: $14,627
#2316 of 2596
Bottom 10.8% in <100M tier
2206
Asset Growth Rate
growth
Value:
-4.67%
Peer Avg: 1.82%
#2206 of 2596
Bottom 15.1% in <100M tier
2150
Total Deposits
balance_sheet
Value:
$3.33M
Peer Avg: $25.45M
#2150 of 2596
Bottom 17.2% in <100M tier
2145
AMR Growth Rate
growth
Value:
-5.06%
Peer Avg: 4.67%
#2145 of 2596
Bottom 17.4% in <100M tier
2089
Total Assets
balance_sheet
Value:
$5.09M
Peer Avg: $29.86M
#2089 of 2596
Bottom 19.6% in <100M tier
2035
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,832
Peer Avg: $5,488
#2035 of 2596
Bottom 21.6% in <100M tier