BlastPoint's Credit Union Scorecard

LONG BEACH CITY EMPLOYEES

Charter #1438 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

LONG BEACH CITY EMPLOYEES has 4 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 1.2% in tier
+ Average Member Relationship (AMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.50% below tier average
- Efficiency ratio 7.93% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 1.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,838 +1.5% YoY+1.1% QoQ	-5.3K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	31%
Assets	$279.3M +2.2% YoY+3.5% QoQ	+$47.6M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	70%
Loans	$117.5M -1.1% YoY+1.4% QoQ	$-26.7M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	48%
Deposits	$235.3M -2.6% YoY+2.8% QoQ	+$34.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	67%

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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% -0.8% QoQ	-0.5%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	18%
NIM	2.0% +23.6% YoY+11.4% QoQ	-1.6%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 1.3% in tier
Efficiency Ratio	86.0% -13.4% YoY-0.5% QoQ	+7.9%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	75%
Delinquency Rate	0.0%	-0.8	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 1.2% in tier
Loan To Share	49.9% +1.5% YoY-1.4% QoQ	-20.5%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 12.1% in tier
AMR	$35,857 -3.6% YoY+1.3% QoQ	+$11K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 9.1% in tier
CD Concentration	0.0%	-24.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#264 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.50%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#314 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.50%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.23%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#89 of 238 • 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): -3.57%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Efficiency Drag

risk

#238 of 596 • 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: 85.95%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.22% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.50%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Deposit Outflow

decline

#32 of 72 • 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): -2.61%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.50%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Wealth Migration Risk

decline

#15 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: $35.9K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -3.57%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

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

Credit Quality Pressure

risk

#695 of 727 • 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): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.10%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Median: 0.61%

#14 of 1070 Top 1.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,857

Peer Median: $22,931

#97 of 1070 Top 9.0% in 100M-500M tier

231

Members Per Employee (MPE)

engagement

Value: 393.520

Peer Median: 309.176

#231 of 1070 Top 21.5% in 100M-500M tier

252

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.35%

#252 of 1070 Top 23.5% in 100M-500M tier

266

Loan-to-Member Ratio (LMR)

engagement

Value: $11,941

Peer Median: $9,356

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1056

Net Interest Margin (NIM)

profitability

Value: 2.00%

Peer Median: 3.62%

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1035

First Mortgage Concentration (%)

balance_sheet

Value: 66.52%

Peer Median: 29.47%

#1035 of 1070 Bottom 3.4% in 100M-500M tier

993

AMR Growth Rate

growth

Value: -3.57%

Peer Median: 3.46%

#993 of 1070 Bottom 7.3% in 100M-500M tier

982

Deposit Growth Rate

growth

Value: -2.61%

Peer Median: 3.30%

#982 of 1070 Bottom 8.3% in 100M-500M tier

976

Fee Income Per Member

profitability

Value: $76.12

Peer Median: $154.95

#976 of 1070 Bottom 8.9% in 100M-500M tier

940

Loan-to-Share Ratio

balance_sheet

Value: 49.93%

Peer Median: 71.88%

#940 of 1070 Bottom 12.2% in 100M-500M tier

878

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: 0.69%

#878 of 1070 Bottom 18.0% in 100M-500M tier