BlastPoint's Credit Union Scorecard
NEWARK POLICE
Charter #4611 · NJ
NEWARK POLICE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 4.62% above tier average
- + Net Worth Ratio: Top 4.1% in tier
- + Loan-to-Share Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 10.71% above tier (higher cost structure)
- - Delinquency rate 3.93% above tier average
- - Member decline: -4.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,164
-4.8% YoY-3.0% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$5.2M
-2.4% YoY-0.0% QoQ
|
$-25.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$3.3M
-4.9% YoY-5.2% QoQ
|
$-12.0M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$3.4M
-5.9% YoY+0.2% QoQ
|
$-22.4M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
-0.1%
-105.1% YoY-104.8% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
8.6%
-3.1% YoY-12.0% QoQ
|
+4.6% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
101.3%
+54.3% YoY+73.7% QoQ
|
+10.7% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
5.4%
+25.2% YoY+9.5% QoQ
|
+3.9 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.5% in tier |
| Loan To Share |
96.5%
+1.1% YoY-5.5% QoQ
|
+38.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 4.4% in tier |
| AMR |
$5,769
-0.6% YoY+0.5% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.1% in tier |
| CD Concentration | 0.0% | -24.3% | 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)