BlastPoint's Credit Union Scorecard

LONG BEACH CITY EMPLOYEES

Charter #1438 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

LONG BEACH CITY EMPLOYEES has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 1.5% in tier
+ Net Charge-Off Rate: Top 5.7% in tier
+ Average Member Relationship (AMR): Top 8.6% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.54% below tier average
- Efficiency ratio 9.37% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 1.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,732 +0.6% YoY+0.3% QoQ	-5.7K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	30%
Assets	$269.9M -2.7% YoY-1.7% QoQ	+$38.1M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	68%
Loans	$115.8M -1.1% YoY-0.5% QoQ	$-31.5M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	45%
Deposits	$228.8M -3.3% YoY-2.9% QoQ	+$28.0M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	66%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -231.6% YoY+137.0% QoQ	-0.5%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 13.8% in tier
NIM	1.8% +28.7% YoY+2.6% QoQ	-1.8%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 1.3% in tier
Efficiency Ratio	86.4% -21.3% YoY-6.9% QoQ	+9.4%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	0.0%	-0.9	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 1.5% in tier
Loan To Share	50.6% +2.3% YoY+2.4% QoQ	-21.6%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 11.5% in tier
AMR	$35,411 -3.2% YoY-2.4% QoQ	+$11K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 8.7% in tier
CD Concentration	0.0%	-24.4%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#405 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.63%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#572 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.63%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.23%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (5)

Deposit Outflow

decline

#22 of 69 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.32%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Efficiency Drag

risk

#206 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.39%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.40% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 0.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#86 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.19%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Wealth Migration Risk

decline

#10 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $35.4K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -3.19%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

→ No prior data (20 CUs now) | New qualifier

Credit Quality Pressure

risk

#646 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: -

#17 of 1069 Top 1.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,411

Peer Median: -

#93 of 1069 Top 8.6% in 100M-500M tier

260

Net Worth Ratio

risk

Value: 13.72%

Peer Median: -

#260 of 1069 Top 24.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1055

Net Interest Margin (NIM)

profitability

Value: 1.79%

Peer Median: -

#1055 of 1069 Bottom 1.4% in 100M-500M tier

1034

First Mortgage Concentration (%)

balance_sheet

Value: 66.94%

Peer Median: -

#1034 of 1069 Bottom 3.4% in 100M-500M tier

1016

Fee Income Per Member

profitability

Value: $72.43

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

1007

Deposit Growth Rate

growth

Value: -3.32%

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

1001

Asset Growth Rate

growth

Value: -2.75%

Peer Median: -

#1001 of 1069 Bottom 6.5% in 100M-500M tier

997

AMR Growth Rate

growth

Value: -3.19%

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

946

Loan-to-Share Ratio

balance_sheet

Value: 50.63%

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

922

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: -

#922 of 1069 Bottom 13.8% in 100M-500M tier

873

Efficiency Ratio

profitability

Value: 86.39%

Peer Median: -

#873 of 1069 Bottom 18.4% in 100M-500M tier