BlastPoint's Credit Union Scorecard
LOS ANGELES POLICE
Charter #24553 · CA
LOS ANGELES POLICE has 5 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 16.1% in tier
- + Organic Growth Engine: Top 24.0% in tier
- + Relationship Depth Leader: Top 100.0% in tier
- + Net Interest Margin 0.00% above tier average
- + Average Member Relationship (AMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.6% in tier
- - Credit Quality Pressure: Bottom 11.9% in tier
- - Credit Risk Growth: Bottom 23.2% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 13.15% above tier (higher cost structure)
- - Total Members: Bottom 4.6% in tier
- - Loan-to-Share Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,376
+4.2% YoY+1.3% QoQ
|
-50.3K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 4.3% in tier |
| Assets |
$1.4B
+2.5% YoY+2.6% QoQ
|
$-343.1M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$759.3M
+0.9% YoY+0.1% QoQ
|
$-473.8M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.9% in tier |
| Deposits |
$1.2B
+8.2% YoY+2.0% QoQ
|
$-217.5M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
0.2%
-29.6% YoY-3.2% QoQ
|
-0.5% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.2% in tier |
| NIM |
3.3%
+2.8% YoY-1.1% QoQ
|
+0.0% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
87.1%
+0.5% YoY+1.1% QoQ
|
+13.1% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.6%
+31.5% YoY+0.8% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
61.4%
-6.7% YoY-1.8% QoQ
|
-23.8% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.9% in tier |
| AMR |
$41,262
+1.0% YoY-0.0% QoQ
|
+$12K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 7.6% in tier |
| CD Concentration |
28.2%
-2.6% YoY+0.5% QoQ
|
-0.8% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
48% |
| Indirect Auto % |
5.0%
-0.6% YoY-5.0% QoQ
|
-13.8% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
24% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)