BlastPoint's Credit Union Scorecard
LOS ANGELES POLICE
Charter #24553 · CA
LOS ANGELES POLICE has 3 strengths but faces 6 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 36.0% in tier
- + Organic Growth Engine: Top 36.0% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.4% in tier
- - Shrinking Wallet Share: Bottom 86.3% in tier
- - ROA 0.55% below tier average
- - Efficiency ratio 13.01% above tier (higher cost structure)
- - Total Members: Bottom 6.3% in tier
- - Loan-to-Share Ratio: Bottom 9.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +3.0% year over year ($1.25B in shares and deposits).
- Membership: 49,395 members, +3.4% vs a year ago.
- Delinquency rate 0.51%.
- Return on assets 0.27%.
- Efficiency ratio 86.03% vs a 73.02% peer average.
- Loan-to-share ratio 60.62% vs a 84.71% 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 |
49,395
+3.4% YoY+0.4% QoQ
|
-47.5K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 6.0% in tier |
| Assets |
$1.4B
+3.5% YoY-1.1% QoQ
|
$-336.9M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$757.6M
-0.1% YoY+0.0% QoQ
|
$-476.7M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.3% in tier |
| Deposits |
$1.2B
+3.0% YoY-1.3% QoQ
|
$-213.7M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.3%
+6.4% YoY-10.6% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.3% in tier |
| NIM |
3.3%
-0.9% YoY+1.0% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
86.0%
-0.2% YoY-0.1% QoQ
|
+13.0% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
0.5%
-17.1% YoY-7.6% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
60.6%
-3.0% YoY+1.3% QoQ
|
-24.1% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.3% in tier |
| AMR |
$40,636
-1.5% YoY-1.2% QoQ
|
+$11K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 8.7% in tier |
| CD Concentration |
27.4%
-2.1% YoY+0.2% QoQ
|
-1.6% | 29.1% | 22.2% | 20.0% | 44% |
| Indirect Auto % |
5.0%
-4.3% YoY-5.4% QoQ
|
-13.1% | 18.1% | 9.2% | 7.7% | 25% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)