BlastPoint's Credit Union Scorecard
THE POLICE
Charter #60968 · CA
THE POLICE has 1 strength but faces 8 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 53.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.9% in tier
- - Membership Headwinds: Bottom 94.5% in tier
- - Stagnation Risk: Bottom 94.5% in tier
- - Institutional Decline: Bottom 95.6% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 18.11% above tier (higher cost structure)
- - Member decline: -5.4% YoY
- - Total Members: Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,961
-5.4% YoY-1.4% QoQ
|
-58.1K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 2.3% in tier |
| Assets |
$1.1B
-1.8% YoY+0.6% QoQ
|
$-665.0M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.6% in tier |
| Loans |
$538.6M
-2.5% YoY-1.6% QoQ
|
$-675.1M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.6% in tier |
| Deposits |
$936.1M
-2.9% YoY+0.7% QoQ
|
$-529.5M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-120.1% YoY
|
-0.6% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.9% in tier |
| NIM |
3.0%
+31.3% YoY+12.8% QoQ
|
-0.3% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
92.7%
-15.7% YoY+0.8% QoQ
|
+18.1% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
0.4%
-33.3% YoY+3.5% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
57.5%
+0.4% YoY-2.2% QoQ
|
-25.6% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.5% in tier |
| AMR |
$38,846
+2.8% YoY+1.3% QoQ
|
+$9K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 11.1% in tier |
| CD Concentration |
22.0%
-17.8% YoY-3.5% QoQ
|
-6.8% | 28.8% | 21.6% | 19.8% | 21% |
| Indirect Auto % |
0.8%
-49.8% YoY-16.7% QoQ
|
-17.2% | 18.1% | 9.0% | 7.7% | 18% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)