BlastPoint's Credit Union Scorecard
THE POLICE
Charter #60968 · CA
THE POLICE has 2 strengths but faces 14 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 35.9% in tier
- + Wallet Share Momentum: Top 73.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 17.9% in tier
- - Stagnation Risk: Bottom 27.4% in tier
- - Efficiency Drag: Bottom 62.9% in tier
- - Institutional Decline: Bottom 69.0% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 17.98% above tier (higher cost structure)
- - Member decline: -8.1% YoY
- - Total Members: Bottom 2.0% in tier
- - Total Loans: Bottom 3.0% in tier
- - Total Assets: Bottom 4.3% in tier
- - Member Growth Rate: Bottom 5.6% in tier
- - Loan-to-Share Ratio: Bottom 6.3% in tier
- - Deposit Growth Rate: Bottom 8.3% in tier
- - Total Deposits: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,513
-8.1% YoY-0.9% QoQ
|
-58.9K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 1.7% in tier |
| Assets |
$1.0B
-0.3% YoY-0.9% QoQ
|
$-674.4M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.0% in tier |
| Loans |
$547.1M
-2.8% YoY-0.6% QoQ
|
$-687.3M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.6% in tier |
| Deposits |
$929.7M
-1.9% YoY-1.1% QoQ
|
$-529.6M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.6% in tier |
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| ROA |
0.0%
-105.1% YoY-139.8% QoQ
|
-0.7% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.6% in tier |
| NIM |
2.7%
+22.6% YoY+5.3% QoQ
|
-0.6% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
92.0%
-17.5% YoY-3.0% QoQ
|
+18.0% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
0.4%
-36.1% YoY+2.2% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
58.8%
-0.8% YoY+0.5% QoQ
|
-25.9% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.0% in tier |
| AMR |
$38,346
+6.4% YoY-0.1% QoQ
|
+$9K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 10.9% in tier |
| CD Concentration |
22.8%
-17.1% YoY-8.6% QoQ
|
-6.2% | 29.0% | 21.7% | 19.8% | 24% |
| Indirect Auto % |
1.0%
-46.3% YoY-15.6% QoQ
|
-17.3% | 18.3% | 9.2% | 7.8% | 17% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)