The Police
San Bruno, CA · Charter 60968 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
$1.0BAssets
$534.1MLoans
$925.9MShares
$129.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 72% of credit unions $1B-$10B in assets (rank 123 of 435).
- Widest gap: efficiency ratio trails 97% of credit unions $1B-$10B in assets (rank 425 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.17%
Rank 409 of 435
Net Interest Margin
3.08%
Rank 301 of 435
Efficiency Ratio
91.08%
Rank 425 of 435
Equity / Assets
12.34%
Rank 123 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.17% | 0.55% | 0.81% | 1.14% | Beats 6% | 409 / 435 | | |
| Return on Equity | 1.42% | 5.12% | 7.41% | 9.70% | Beats 6% | 411 / 435 | | |
| Net Interest Margin | 3.08% | 3.01% | 3.39% | 3.75% | Beats 31% | 301 / 435 | | |
| Efficiency Ratio | 91.08% | 65.25% | 71.39% | 77.86% | Beats 3% | 425 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.45% | 0.69% | 1.05% | Beats 34% | 288 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.34% | 9.81% | 10.84% | 12.63% | Beats 72% | 123 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.34% | 9.81% | 10.84% | 12.63% | Beats 72% | 123 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.69% | 78.33% | 88.38% | 95.61% | 5th pctl | 412 / 435 | | |
| Loans / Assets | 51.04% | 67.69% | 74.58% | 80.80% | 7th pctl | 404 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |