BlastPoint's Credit Union Scorecard
STATE POLICE CREDIT UNION INC.
Charter #60048 · CT
STATE POLICE CREDIT UNION INC. has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 2.7% in tier
- + Total Assets: Top 6.1% in tier
- + Total Deposits: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Member decline: -2.1% YoY
- - First Mortgage Concentration (%): Bottom 4.7% in tier
- - Net Interest Margin (NIM): Bottom 7.6% 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 43 that size in Connecticut.
- Shares and deposits +6.0% year over year ($70.8M in shares and deposits).
- Membership: 2,796 members, -2.1% vs a year ago.
- Delinquency rate 0.06%.
- Return on assets 0.92%.
- Efficiency ratio 65.46% vs a 88.77% peer average.
- Loan-to-share ratio 28.97% 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 (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,796
-2.1% YoY-0.8% QoQ
|
+210 |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$84.0M
+5.9% YoY+0.8% QoQ
|
+$53.8M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Top 6.2% in tier |
| Loans |
$20.5M
-1.1% YoY+1.3% QoQ
|
+$5.0M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$70.8M
+6.0% YoY+0.8% QoQ
|
+$45.0M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Top 6.6% in tier |
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| ROA |
0.9%
+98.1% YoY+9.1% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
2.6%
+17.4% YoY+4.0% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio |
65.5%
-18.4% YoY-2.6% QoQ
|
-23.3% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate | 0.1% | -1.5 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
29.0%
-6.7% YoY+0.6% QoQ
|
-29.9% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.3% in tier |
| AMR |
$32,649
+6.6% YoY+1.7% QoQ
|
+$18K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
Top 2.7% in tier |
| CD Concentration |
15.3%
+9.1% YoY-1.4% QoQ
|
-9.2% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 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)