BlastPoint's Credit Union Scorecard
PATERSON POLICE
Charter #8339 · NJ
PATERSON POLICE faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Efficiency ratio 15.00% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
531
+1.3% YoY-0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.4% in tier |
| Assets |
$4.6M
-5.1% YoY-3.5% QoQ
|
$-25.5M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$1.5M
+9.4% YoY-4.7% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.9% in tier |
| Deposits |
$3.7M
-6.2% YoY-4.5% QoQ
|
$-22.0M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-0.1%
-80.9% YoY-63.2% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.4% in tier |
| NIM |
2.9%
+46.0% YoY+8.4% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
97.6%
-19.6% YoY-9.8% QoQ
|
+15.0% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate |
0.8%
+2.0% YoY-56.1% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
41.6%
+16.6% YoY-0.2% QoQ
|
-19.0% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$9,887
-3.4% YoY-4.2% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
13.6%
+18.5% YoY+43.8% QoQ
|
-10.8% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)