THE POLICE

Charter #60968 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

THE POLICE has 2 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.1% in tier
  • + Wallet Share Momentum: Top 7.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 5.0% in tier
  • - Institutional Decline: Bottom 15.7% in tier
  • - Stagnation Risk: Bottom 16.3% in tier
  • - Efficiency Drag: Bottom 16.4% in tier
  • - Liquidity Overhang: Bottom 18.1% in tier
  • - ROA 0.77% below tier average
  • - Efficiency ratio 20.88% above tier (higher cost structure)
  • - Member decline: -8.7% YoY
  • - Total Members: Bottom 2.0% in tier
  • - Total Loans: Bottom 2.6% in tier
  • - Member Growth Rate: Bottom 4.9% in tier
  • - Loan-to-Share Ratio: Bottom 5.6% in tier
  • - Total Assets: Bottom 7.2% in tier
  • - Asset Growth Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 38,847
-8.7% YoY-1.1% QoQ
 -59.8K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 1.6% in tier
Assets $1.1B
-3.0% YoY-0.8% QoQ
 $-660.7M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 6.9% in tier
Loans $550.6M
-3.4% YoY+0.0% QoQ
 $-682.4M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 2.3% in tier
Deposits $940.0M
-0.3% YoY-1.3% QoQ
 $-514.3M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 12.2% in tier
ROA -0.1%
-88.1% YoY-29.0% QoQ
 -0.8% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 2.3% in tier
NIM 2.6%
+18.7% YoY+5.4% QoQ
 -0.7% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 13.2% in tier
Efficiency Ratio 94.9%
-16.5% YoY+0.7% QoQ
 +20.9% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 1.3% in tier
Delinquency Rate 0.4%
-41.7% YoY-20.9% QoQ
 -0.5 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 19.4% in tier
Loan To Share 58.6%
-3.1% YoY+1.3% QoQ
 -26.6% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 5.3% in tier
AMR $38,373
+8.0% YoY+0.3% QoQ
 +$9K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 10.5% in tier
CD Concentration 25.0%
-4.6% YoY-5.4% QoQ
 -4.0% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 33rd in tier
Indirect Auto % 1.2%
-44.5% YoY-15.6% QoQ
 -17.6% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 17.4% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#16 of 264 • Top 2.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.95%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.0K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#55 of 264 • Top 7.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.95%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline
#13 of 85 • Bottom 5.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -8.73%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank improving

Institutional Decline

decline
#17 of 31 • Bottom 15.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.06B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -8.73%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -3.41%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Stagnation Risk

risk
#40 of 85 • Bottom 16.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.07%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -8.73%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $38.4K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 24.97%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank improving

Efficiency Drag

risk
#55 of 96 • Bottom 16.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 94.85%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.49% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -8.73%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Liquidity Overhang

risk
#59 of 113 • Bottom 18.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.05%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 58.58%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

32
Average Member Relationship (AMR)
engagement
Value: $38,373
Peer Avg: $29,172
#32 of 304 Top 10.2% in 1B-3B tier
37
Fee Income Per Member
profitability
Value: $293.00
Peer Avg: $210.52
#37 of 304 Top 11.8% in 1B-3B tier
46
AMR Growth Rate
growth
Value: 7.95%
Peer Avg: 3.29%
#46 of 304 Top 14.8% in 1B-3B tier
59
Indirect Auto Concentration (%)
balance_sheet
Value: 1.21%
Peer Avg: 18.32%
#59 of 304 Top 19.1% in 1B-3B tier
60
Total Delinquency Rate (60+ days)
risk
Value: 0.37%
Peer Avg: 0.83%
#60 of 304 Top 19.4% in 1B-3B tier

Top Weaknesses (14 metrics)

301
Efficiency Ratio
profitability
Value: 94.85%
Peer Avg: 73.97%
#301 of 304 Bottom 1.3% in 1B-3B tier
299
Total Members
engagement
Value: 38,847
Peer Avg: 98,678
#299 of 304 Bottom 2.0% in 1B-3B tier
297
Return on Assets (ROA)
profitability
Value: -0.07%
Peer Avg: 0.70%
#297 of 304 Bottom 2.6% in 1B-3B tier
297
Total Loans
balance_sheet
Value: $550.65M
Peer Avg: $1.23B
#297 of 304 Bottom 2.6% in 1B-3B tier
290
Member Growth Rate
growth
Value: -8.73%
Peer Avg: 2.20%
#290 of 304 Bottom 4.9% in 1B-3B tier
288
Loan-to-Share Ratio
balance_sheet
Value: 58.58%
Peer Avg: 85.19%
#288 of 304 Bottom 5.6% in 1B-3B tier
283
Total Assets
balance_sheet
Value: $1.06B
Peer Avg: $1.72B
#283 of 304 Bottom 7.2% in 1B-3B tier
279
Asset Growth Rate
growth
Value: -3.05%
Peer Avg: 4.83%
#279 of 304 Bottom 8.6% in 1B-3B tier
270
Loan Growth Rate
growth
Value: -3.41%
Peer Avg: 5.27%
#270 of 304 Bottom 11.5% in 1B-3B tier
270
First Mortgage Concentration (%)
balance_sheet
Value: 52.70%
Peer Avg: 34.01%
#270 of 304 Bottom 11.5% in 1B-3B tier