BlastPoint's Credit Union Scorecard

LONG BEACH CITY EMPLOYEES

Charter #1438 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 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 0.8% in tier
+ Average Member Relationship (AMR): Top 8.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.55% below tier average
- Efficiency ratio 7.43% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 1.5% in tier
- First Mortgage Concentration (%): Bottom 3.1% in tier
- Fee Income Per Member: Bottom 8.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits -1.4% year over year ($234M in shares and deposits).
Membership: 9,785 members, +0.9% vs a year ago.
Delinquency rate 0.01%.
Return on assets 0.31%.
Efficiency ratio 84.17% vs a 76.73% peer average.
Loan-to-share ratio 52.07% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,785 +0.9% YoY-0.5% QoQ	-5.4K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	31%
Assets	$270.6M +0.2% YoY-3.1% QoQ	+$38.6M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	68%
Loans	$121.8M +2.7% YoY+3.7% QoQ	$-24.4M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	49%
Deposits	$234.0M -1.4% YoY-0.6% QoQ	+$33.3M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% 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	0.3% +400.5% YoY+37.3% QoQ	-0.6%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	16%
NIM	2.1% +24.9% YoY+6.5% QoQ	-1.6%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 1.4% in tier
Efficiency Ratio	84.2% -12.1% YoY-2.1% QoQ	+7.4%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	73%
Delinquency Rate	0.0%	-0.9	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Top 0.8% in tier
Loan To Share	52.1% +4.2% YoY+4.3% QoQ	-19.5%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 14.0% in tier
AMR	$36,363 -1.0% YoY+1.4% QoQ	+$11K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 8.7% in tier
CD Concentration	0.0%	-24.6%	24.6%	22.2%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#302 of 342 • 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): 0.95%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#319 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.31%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (3)

Efficiency Drag

risk

#228 of 531 • 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: 84.17%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 0.95%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Deposit Outflow

decline

#60 of 84 • 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): -1.43%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.95%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#189 of 223 • 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): -0.98%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.39%

#1 of 1024 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Median: 0.71%

#9 of 1024 Top 0.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $36,363

Peer Median: $23,006

#89 of 1024 Top 8.6% in 100M-500M tier

158

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.34%

#158 of 1024 Top 15.3% in 100M-500M tier

215

Members Per Employee (MPE)

engagement

Value: 391.400

Peer Median: 310.924

#215 of 1024 Top 20.9% in 100M-500M tier

231

Loan-to-Member Ratio (LMR)

engagement

Value: $12,451

Peer Median: $9,434

#231 of 1024 Top 22.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1010

Net Interest Margin (NIM)

profitability

Value: 2.12%

Peer Median: 3.67%

#1010 of 1024 Bottom 1.5% in 100M-500M tier

993

First Mortgage Concentration (%)

balance_sheet

Value: 67.24%

Peer Median: 29.92%

#993 of 1024 Bottom 3.1% in 100M-500M tier

940

Fee Income Per Member

profitability

Value: $82.11

Peer Median: $159.88

#940 of 1024 Bottom 8.3% in 100M-500M tier

893

Deposit Growth Rate

growth

Value: -1.43%

Peer Median: 3.58%

#893 of 1024 Bottom 12.9% in 100M-500M tier

881

Loan-to-Share Ratio

balance_sheet

Value: 52.07%

Peer Median: 73.07%

#881 of 1024 Bottom 14.1% in 100M-500M tier

870

AMR Growth Rate

growth

Value: -0.98%

Peer Median: 3.53%

#870 of 1024 Bottom 15.1% in 100M-500M tier

864

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Median: 0.75%

#864 of 1024 Bottom 15.7% in 100M-500M tier

835

Asset Growth Rate

growth

Value: 0.20%

Peer Median: 4.12%

#835 of 1024 Bottom 18.6% in 100M-500M tier