BlastPoint's Credit Union Scorecard
STATE POLICE CREDIT UNION INC.
Charter #60048 · CT
STATE POLICE CREDIT UNION INC. has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Average Member Relationship (AMR): Top 3.1% in tier
- + Total Assets: Top 6.1% in tier
- + Total Deposits: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 3.8% in tier
- - Net Interest Margin (NIM): Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,818
-1.6% YoY+0.4% QoQ
|
+141 |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$83.4M
+4.7% YoY+2.5% QoQ
|
+$53.2M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Top 6.1% in tier |
| Loans |
$20.2M
-3.2% YoY-1.9% QoQ
|
+$5.0M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$70.3M
+4.5% YoY+2.7% QoQ
|
+$44.5M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Top 6.7% in tier |
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| ROA |
0.8%
+150.2% YoY+39.3% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
2.5%
+16.2% YoY+7.6% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio |
67.2%
-21.2% YoY-10.8% QoQ
|
-23.5% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
0.0%
-50.0% YoY-47.1% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
28.8%
-7.3% YoY-4.5% QoQ
|
-29.7% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.2% in tier |
| AMR |
$32,112
+4.3% YoY+1.3% QoQ
|
+$17K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 3.1% in tier |
| CD Concentration |
15.5%
+11.7% YoY-2.0% QoQ
|
-8.7% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 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)