BlastPoint's Credit Union Scorecard
POLICE
Charter #66663 · WI
2556 CUs in <100M nationally
52 in WI
POLICE has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.0% in tier
- + Member Growth Rate: Top 6.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Total Members: Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Net Interest Margin (NIM): Bottom 3.6% in tier
- - Total Assets: Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 5.1% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Members Per Employee (MPE): Bottom 9.2% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
139
+4.5% YoY+0.7% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 2.7% in tier |
| Assets |
$891,124
-9.4% YoY-6.3% QoQ
|
$-29.3M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.6% in tier |
| Loans |
$817,847
-10.4% YoY-8.5% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.7% in tier |
| Deposits |
$718,855
-11.8% YoY-7.0% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.2% in tier |
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| ROA |
0.4%
-53.2% YoY-68.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
2.0%
-22.2% YoY-28.3% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
73.0%
+10.3% YoY+47.3% QoQ
|
-9.5% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.6%
+23.7% YoY-9.6% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
113.8%
+1.6% YoY-1.6% QoQ
|
+53.2% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 1.1% in tier |
| AMR |
$11,055
-14.9% YoY-8.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
27
Loan-to-Share Ratio
balance_sheet
Value:
113.77%
Peer Median: -
#27 of 2556
Top 1.0% in <100M tier
173
Member Growth Rate
growth
Value:
4.51%
Peer Median: -
#173 of 2556
Top 6.7% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
632
Net Worth Ratio
risk
Value:
19.33%
Peer Median: -
#632 of 2556
Top 24.7% in <100M tier
Top Weaknesses (11 metrics)
2488
Total Members
engagement
Value:
139
Peer Median: -
#2488 of 2556
Bottom 2.7% in <100M tier
2474
AMR Growth Rate
growth
Value:
-14.91%
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2464
Net Interest Margin (NIM)
profitability
Value:
1.96%
Peer Median: -
#2464 of 2556
Bottom 3.6% in <100M tier
2438
Total Assets
balance_sheet
Value:
$891,124
Peer Median: -
#2438 of 2556
Bottom 4.7% in <100M tier
2427
Deposit Growth Rate
growth
Value:
-11.81%
Peer Median: -
#2427 of 2556
Bottom 5.1% in <100M tier
2422
Total Deposits
balance_sheet
Value:
$718,855
Peer Median: -
#2422 of 2556
Bottom 5.3% in <100M tier
2420
Asset Growth Rate
growth
Value:
-9.42%
Peer Median: -
#2420 of 2556
Bottom 5.4% in <100M tier
2321
Members Per Employee (MPE)
engagement
Value:
139.000
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2308
Total Loans
balance_sheet
Value:
$817,847
Peer Median: -
#2308 of 2556
Bottom 9.7% in <100M tier