BlastPoint's Credit Union Scorecard

LOS ANGELES POLICE

Charter #24553 · CA

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 39 in CA
View Mid-Market leaderboard →

LOS ANGELES POLICE has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 33.7% in tier
  • + Organic Growth Engine: Top 33.7% in tier
  • + Average Member Relationship (AMR): Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 10.4% in tier
  • - Credit Quality Pressure: Bottom 22.6% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 11.45% above tier (higher cost structure)
  • - Total Members: Bottom 5.9% in tier
  • - Loan-to-Share Ratio: Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 49,215
+3.5% YoY+0.8% QoQ
 -46.8K 96,048
-2.7% YoY
 57,202
-0.9% YoY
 33,913
+5.7% YoY
 Bottom 5.6% in tier
Assets $1.4B
+5.8% YoY+2.8% QoQ
 $-317.6M $1.7B
+0.4% YoY
 $1.2B
+0.4% YoY
 $578.3M
+9.0% YoY
 37%
Loans $757.5M
+0.4% YoY-1.2% QoQ
 $-456.3M $1.2B
+0.2% YoY
 $813.8M
+0.1% YoY
 $402.4M
+8.7% YoY
 Bottom 12.1% in tier
Deposits $1.3B
+5.5% YoY+3.4% QoQ
 $-199.8M $1.5B
+0.5% YoY
 $1.0B
+1.2% YoY
 $494.3M
+9.1% YoY
 46%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.3%
+120.1% YoY+89.0% QoQ
 -0.4% 0.7%
+27.6% YoY
 2.1%
+290.7% YoY
 0.4%
-39.2% YoY
 16%
NIM 3.2%
+0.9% YoY+0.0% QoQ
 -0.1% 3.4%
+6.2% YoY
 5.0%
+56.5% YoY
 3.8%
+4.1% YoY
 40%
Efficiency Ratio 86.1%
-3.9% YoY-2.8% QoQ
 +11.5% 74.6%
-3.0% YoY
 81.3%
-2.7% YoY
 84.6%
+2.8% YoY
 Bottom 11.4% in tier
Delinquency Rate 0.6%
+40.2% YoY-16.7% QoQ
 -0.2 0.8%
+6.9% YoY
 0.6%
-45.1% YoY
 1.2%
+3.4% YoY
 42%
Loan To Share 59.8%
-4.8% YoY-4.4% QoQ
 -23.3% 83.2%
-0.4% YoY
 67.3%
-0.6% YoY
 65.6%
-1.4% YoY
 Bottom 8.5% in tier
AMR $41,110
+0.0% YoY+0.8% QoQ
 +$11K $29,652
+2.3% YoY
 $28,733
+1.2% YoY
 $19,920
+1.6% YoY
 Top 9.2% in tier
CD Concentration 27.4%
-4.0% YoY-4.0% QoQ
 -1.5% 28.8% 21.6% 19.8% 45%
Indirect Auto % 5.3%
-2.4% YoY-4.7% QoQ
 -12.8% 18.1% 9.0% 7.7% 26%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#52 of 116 • Top 33.7% in tier

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

Why This Signature
Member Growth (YoY): 3.51%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 5.31%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#98 of 115 • Top 33.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.51%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 0.30%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 5.31%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#86 of 225 • Bottom 22.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Efficiency Drag

risk
#50 of 100 • Bottom 10.4% in tier

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

Why This Signature
Efficiency Ratio: 86.09%
(Tier: 73.98%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.16% points
(Tier: 0.14% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 3.51%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
100 of 384 Mid-Market CUs have this signature | 702 nationally
↓ Shrinking -38 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)

Comparing against 306 peers in tier

Top Strengths (2 metrics)

28
Average Member Relationship (AMR)
engagement
Value: $41,110
Peer Median: $28,178
#28 of 306 Top 8.8% in 1B-3B tier
68
Loan-to-Member Ratio (LMR)
engagement
Value: $15,391
Peer Median: $12,733
#68 of 306 Top 21.9% in 1B-3B tier

Top Weaknesses (7 metrics)

289
Total Members
engagement
Value: 49,215
Peer Median: 85,918
#289 of 306 Bottom 5.9% in 1B-3B tier
280
Loan-to-Share Ratio
balance_sheet
Value: 59.84%
Peer Median: 85.31%
#280 of 306 Bottom 8.8% in 1B-3B tier
272
Efficiency Ratio
profitability
Value: 86.09%
Peer Median: 75.16%
#272 of 306 Bottom 11.4% in 1B-3B tier
269
Total Loans
balance_sheet
Value: $757.47M
Peer Median: $1.11B
#269 of 306 Bottom 12.4% in 1B-3B tier
257
Return on Assets (ROA)
profitability
Value: 0.30%
Peer Median: 0.66%
#257 of 306 Bottom 16.3% in 1B-3B tier
242
First Mortgage Concentration (%)
balance_sheet
Value: 44.04%
Peer Median: 33.05%
#242 of 306 Bottom 21.2% in 1B-3B tier
241
Loan Growth Rate
growth
Value: 0.38%
Peer Median: 5.67%
#241 of 306 Bottom 21.6% in 1B-3B tier
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