BlastPoint's Credit Union Scorecard
NEWARK POLICE
Charter #4611 · NJ
NEWARK POLICE has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.91% above tier average
- + Net Interest Margin 5.85% 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 3.5% in tier
- + Net Worth Ratio: Top 4.1% in tier
- + Efficiency Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.41% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,200
-1.0% YoY+0.2% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$5.2M
-1.2% YoY+2.3% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$3.5M
-1.2% YoY+2.5% QoQ
|
$-12.3M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$3.4M
-5.3% YoY+2.4% QoQ
|
$-22.3M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
2.5%
+73.3% YoY+1.4% QoQ
|
+1.9% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 2.7% in tier |
| NIM |
9.8%
+4.1% YoY+2.6% QoQ
|
+5.8% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
58.3%
-6.2% YoY-4.3% QoQ
|
-24.2% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate |
5.0%
+22.5% YoY+26.4% QoQ
|
+3.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 6.3% in tier |
| Loan To Share |
102.0%
+4.3% YoY+0.1% QoQ
|
+41.4% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 3.6% in tier |
| AMR |
$5,741
-2.3% YoY+2.3% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)