BlastPoint's Credit Union Scorecard

THE POLICE

Charter #60968 · CA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 37 in CA

View Mid-Market leaderboard →

THE POLICE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 64.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.7% in tier
- Credit Quality Pressure: Bottom 7.5% in tier
- Stagnation Risk: Bottom 93.8% in tier
- Membership Headwinds: Bottom 93.8% in tier
- Institutional Decline: Bottom 95.2% in tier
- ROA 0.64% below tier average
- Efficiency ratio 18.06% above tier (higher cost structure)
- Member decline: -4.3% YoY

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
Shares and deposits -2.8% year over year ($926M in shares and deposits).
Membership: 37,608 members, -4.3% vs a year ago.
Delinquency rate 0.89%.
Return on assets 0.17%.
Efficiency ratio 91.08% vs a 73.02% peer average.
Loan-to-share ratio 57.69% vs a 84.71% 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 (CA)	National Avg	Tier Percentile
Members	37,608 -4.3% YoY-0.9% QoQ	-59.3K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 2.3% in tier
Assets	$1.0B -1.9% YoY-0.8% QoQ	$-677.7M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 6.0% in tier
Loans	$534.1M -3.0% YoY-0.8% QoQ	$-700.1M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 3.0% in tier
Deposits	$925.9M -2.8% YoY-1.1% QoQ	$-537.5M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Bottom 10.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -289.1% YoY+56.3% QoQ	-0.6%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Bottom 5.3% in tier
NIM	3.1% +26.7% YoY+1.3% QoQ	-0.4%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	25%
Efficiency Ratio	91.1% -3.3% YoY-1.8% QoQ	+18.1%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 2.7% in tier
Delinquency Rate	0.9% +91.8% YoY+129.5% QoQ	+0.0	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	66%
Loan To Share	57.7% -0.2% YoY+0.3% QoQ	-27.0%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 6.0% in tier
AMR	$38,821 +1.5% YoY-0.1% QoQ	+$9K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 11.0% in tier
CD Concentration	21.6% -18.2% YoY-2.0% QoQ	-7.5%	29.1%	22.2%	20.0%	18%
Indirect Auto %	0.7% -53.4% YoY-21.5% QoQ	-17.4%	18.1%	9.2%	7.7%	16%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#66 of 69 • Top 64.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.47%

(Tier: 3.62%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $5.5K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk

#9 of 86 • Bottom 93.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.27%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.98%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.89%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Credit Quality Pressure

risk

#28 of 215 • Bottom 7.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.43% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Membership Headwinds

decline

#24 of 86 • Bottom 93.8% in tier

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

Why This Signature

Member Growth (YoY): -4.27%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Efficiency Drag

risk

#32 of 71 • Bottom 2.7% in tier

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

Why This Signature

Efficiency Ratio: 91.08%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.27% points

(Tier: 0.18% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -4.27%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Institutional Decline

decline

#16 of 25 • Bottom 95.2% in tier

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

Why This Signature

Total Assets: $1.05B

(Tier: $2.16B, National: $593.11M)

worse than tier avg

Member Growth (YoY): -4.27%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.98%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

25 of 377 Mid-Market CUs have this signature | 261 nationally

↓ Shrinking -12 CUs YoY

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (4 metrics)

Average Member Relationship (AMR)

engagement

Value: $38,821

Peer Median: $28,089

#33 of 300 Top 10.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.67%

Peer Median: 14.26%

#55 of 300 Top 18.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.57%

Peer Median: 28.24%

#59 of 300 Top 19.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.30%

Peer Median: 0.52%

#67 of 300 Top 22.0% in 1B-3B tier

Top Weaknesses (13 metrics)

293

Efficiency Ratio

profitability

Value: 91.08%

Peer Median: 73.62%

#293 of 300 Bottom 2.7% in 1B-3B tier

293

Total Members

engagement

Value: 37,608

Peer Median: 86,516

#293 of 300 Bottom 2.7% in 1B-3B tier

291

Total Loans

balance_sheet

Value: $534.14M

Peer Median: $1.14B

#291 of 300 Bottom 3.3% in 1B-3B tier

288

Deposit Growth Rate

growth

Value: -2.80%

Peer Median: 4.79%

#288 of 300 Bottom 4.3% in 1B-3B tier

284

Return on Assets (ROA)

profitability

Value: 0.17%

Peer Median: 0.77%

#284 of 300 Bottom 5.7% in 1B-3B tier

283

Asset Growth Rate

growth

Value: -1.90%

Peer Median: 5.21%

#283 of 300 Bottom 6.0% in 1B-3B tier

282

Total Assets

balance_sheet

Value: $1.05B

Peer Median: $1.51B

#282 of 300 Bottom 6.3% in 1B-3B tier

282

Loan-to-Share Ratio

balance_sheet

Value: 57.69%

Peer Median: 87.07%

#282 of 300 Bottom 6.3% in 1B-3B tier

280

Member Growth Rate

growth

Value: -4.27%

Peer Median: 1.84%

#280 of 300 Bottom 7.0% in 1B-3B tier

279

Loan Growth Rate

growth

Value: -2.98%

Peer Median: 5.71%

#279 of 300 Bottom 7.3% in 1B-3B tier