POLICE
Charter #66663 | WI
<100M
(2596 CUs)
Micro
($0-$500M)
53 <100M in WI
POLICE has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + 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 1.2% in tier
- + Deposit Growth Rate: Top 4.1% in tier
- + Asset Growth Rate: Top 4.9% in tier
- + Efficiency Ratio: Top 6.1% in tier
- + Member Growth Rate: Top 7.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Assets: Bottom 5.3% in tier
- - Total Deposits: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
138
+4.5% YoY+0.7% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 2.5% in tier |
| Assets |
$950,742
+12.5% YoY+0.7% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.3% in tier |
| Loans |
$893,802
+6.7% YoY+2.9% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.7% in tier |
| Deposits |
$773,235
+14.1% YoY+0.4% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.7% in tier |
| ROA |
1.3%
+49.8% YoY+6.0% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
72nd in tier |
| NIM |
2.7%
+7.1% YoY+2.1% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio |
49.6%
-26.3% YoY-3.2% QoQ
|
-31.8% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
0.6%
-20.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
48th in tier |
| Loan To Share |
115.6%
-6.5% YoY+2.5% QoQ
|
+54.4% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 1.3% in tier |
| AMR |
$12,080
+5.3% YoY+1.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
40th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
31
Loan-to-Share Ratio
balance_sheet
Value:
115.59%
Peer Avg: 61.23%
#31 of 2596
Top 1.2% in <100M tier
108
Deposit Growth Rate
growth
Value:
14.14%
Peer Avg: 16.80%
#108 of 2596
Top 4.1% in <100M tier
128
Asset Growth Rate
growth
Value:
12.54%
Peer Avg: 1.82%
#128 of 2596
Top 4.9% in <100M tier
160
Efficiency Ratio
profitability
Value:
49.59%
Peer Avg: 81.39%
#160 of 2596
Top 6.1% in <100M tier
195
Member Growth Rate
growth
Value:
4.55%
Peer Avg: 14.92%
#195 of 2596
Top 7.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
433
Loan Growth Rate
growth
Value:
6.74%
Peer Avg: 59.01%
#433 of 2596
Top 16.6% in <100M tier
Top Weaknesses (7 metrics)
2530
Total Members
engagement
Value:
138
Peer Avg: 2,626
#2530 of 2596
Bottom 2.6% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2459
Total Assets
balance_sheet
Value:
$950,742
Peer Avg: $29.86M
#2459 of 2596
Bottom 5.3% in <100M tier
2448
Total Deposits
balance_sheet
Value:
$773,235
Peer Avg: $25.45M
#2448 of 2596
Bottom 5.7% in <100M tier
2367
Members Per Employee (MPE)
engagement
Value:
138.000
Peer Avg: 365.701
#2367 of 2596
Bottom 8.9% in <100M tier
2318
Total Loans
balance_sheet
Value:
$893,802
Peer Avg: $15.77M
#2318 of 2596
Bottom 10.7% in <100M tier
2298
Net Interest Margin (NIM)
profitability
Value:
2.74%
Peer Avg: 3.93%
#2298 of 2596
Bottom 11.5% in <100M tier