BlastPoint's Credit Union Scorecard
LONG BEACH FIREMEN S
Charter #67921 · CA
LONG BEACH FIREMEN S has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Efficiency Ratio: Top 0.4% in tier
- + Average Member Relationship (AMR): Top 0.4% in tier
- + Loan-to-Member Ratio (LMR): Top 0.4% in tier
- + Net Worth Ratio: Top 0.5% in tier
- + Total Delinquency Rate (60+ days): Top 1.4% in tier
- + Net Charge-Off Rate: Top 2.3% in tier
- + Loan-to-Share Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% 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 -2.8% year over year ($142M in shares and deposits).
- Membership: 3,221 members, -1.6% vs a year ago.
- Delinquency rate 0.02%.
- Return on assets 1.54%.
- Efficiency ratio 36.02% vs a 76.73% peer average.
- Loan-to-share ratio 94.60% 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 |
3,221
-1.6% YoY-0.7% QoQ
|
-11.9K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 0.9% in tier |
| Assets |
$201.5M
-0.5% YoY-1.4% QoQ
|
$-30.5M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$134.4M
-5.6% YoY-2.3% QoQ
|
$-11.9M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$142.0M
-2.8% YoY-2.5% QoQ
|
$-58.7M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
1.5%
-12.2% YoY+0.9% QoQ
|
+0.7% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 11.6% in tier |
| NIM |
2.3%
-7.1% YoY+2.7% QoQ
|
-1.3% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
36.0%
+11.9% YoY+3.8% QoQ
|
-40.7% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 0.4% in tier |
| Delinquency Rate |
0.0%
-97.5% YoY-95.7% QoQ
|
-0.9 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 1.4% in tier |
| Loan To Share |
94.6%
-2.8% YoY+0.1% QoQ
|
+23.1% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 6.3% in tier |
| AMR |
$85,819
-2.7% YoY-1.7% QoQ
|
+$61K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 0.5% 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 (0)
Concerns (9)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)