BlastPoint's Credit Union Scorecard

THE POLICE

Charter #60968 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

THE POLICE has 3 strengths but faces 13 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 19.7% in tier
+ Wallet Share Momentum: Top 47.0% in tier
+ Credit Quality Leader: Top 77.7% 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
- 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

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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	19%
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% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	33%
Indirect Auto %	1.2% -44.5% YoY-15.6% QoQ	-17.6%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	17%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#14 of 67 • Top 19.7% 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): 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

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Wallet Share Momentum

growth

#55 of 116 • Top 47.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.95%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Credit Quality Leader

growth

#74 of 95 • Top 77.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.37%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.26% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (4)

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: $2.17B, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

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

Delinquency Rate: 0.37%

(Tier: 0.83%, National: 1.23%)

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: 73.43%, 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

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 304 peers in tier

Top Strengths (5 metrics)

Average Member Relationship (AMR)

engagement

Value: $38,373

Peer Avg: -

#32 of 304 Top 10.2% in 1B-3B tier

Fee Income Per Member

profitability

Value: $293.00

Peer Avg: -

#37 of 304 Top 11.8% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.95%

Peer Avg: -

#46 of 304 Top 14.8% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.21%

Peer Avg: -

#59 of 304 Top 19.1% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Avg: -

#60 of 304 Top 19.4% in 1B-3B tier

Top Weaknesses (14 metrics)

301

Efficiency Ratio

profitability

Value: 94.85%

Peer Avg: -

#301 of 304 Bottom 1.3% in 1B-3B tier

299

Total Members

engagement

Value: 38,847

Peer Avg: -

#299 of 304 Bottom 2.0% in 1B-3B tier

297

Return on Assets (ROA)

profitability

Value: -0.07%

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

297

Total Loans

balance_sheet

Value: $550.65M

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

290

Member Growth Rate

growth

Value: -8.73%

Peer Avg: -

#290 of 304 Bottom 4.9% in 1B-3B tier

288

Loan-to-Share Ratio

balance_sheet

Value: 58.58%

Peer Avg: -

#288 of 304 Bottom 5.6% in 1B-3B tier

283

Total Assets

balance_sheet

Value: $1.06B

Peer Avg: -

#283 of 304 Bottom 7.2% in 1B-3B tier

279

Asset Growth Rate

growth

Value: -3.05%

Peer Avg: -

#279 of 304 Bottom 8.6% in 1B-3B tier

270

Loan Growth Rate

growth

Value: -3.41%

Peer Avg: -

#270 of 304 Bottom 11.5% in 1B-3B tier

270

First Mortgage Concentration (%)

balance_sheet

Value: 52.70%

Peer Avg: -

#270 of 304 Bottom 11.5% in 1B-3B tier