BlastPoint's Credit Union Scorecard

LONG BEACH FIREMEN S

Charter #67921 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

LONG BEACH FIREMEN S has 8 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

+ ROA 0.80% above tier average
+ Efficiency Ratio: Top 0.4% in tier
+ Net Worth 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
+ Loan-to-Share Ratio: Top 4.7% in tier
+ Net Charge-Off Rate: Top 5.5% in tier
+ Members Per Employee (MPE): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,244 -1.4% YoY-0.2% QoQ	-11.9K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 0.7% in tier
Assets	$204.3M -0.5% YoY+0.4% QoQ	$-27.4M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	52%
Loans	$137.6M -5.3% YoY-0.6% QoQ	$-6.6M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	58%
Deposits	$145.6M -2.9% YoY+0.1% QoQ	$-55.5M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	38%

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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	1.5% -12.7% YoY-9.0% QoQ	+0.8%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Top 10.9% in tier
NIM	2.3% -7.9% YoY-6.2% QoQ	-1.4%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 2.5% in tier
Efficiency Ratio	34.7% +12.0% YoY+6.2% QoQ	-43.3%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Top 0.4% in tier
Delinquency Rate	0.4% +88.0% YoY-3.2% QoQ	-0.4	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	33%
Loan To Share	94.5% -2.5% YoY-0.7% QoQ	+24.1%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 4.8% in tier
AMR	$87,306 -2.7% YoY-0.1% QoQ	+$62K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 0.5% in tier
CD Concentration	0.0%	-24.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Margin Compression

decline

#44 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.52%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.75%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.22% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Wealth Migration Risk

decline

#8 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $87.3K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -2.71%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | New qualifier

Credit Quality Pressure

risk

#332 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#122 of 238 • 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): -2.71%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Stagnation Risk

risk

#298 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.33%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Overhang

risk

#68 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 28.65%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 94.47%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#32 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -2.71%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Institutional Decline

decline

#161 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $204.27M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.33%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Liquidity Strain

risk

#132 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.47%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -5.33%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Membership Headwinds

decline

#437 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.10%

#1 of 1070 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 34.71%

Peer Median: 78.68%

#5 of 1070 Top 0.4% in 100M-500M tier

Net Worth Ratio

risk

Value: 28.65%

Peer Median: 11.45%

#5 of 1070 Top 0.4% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $87,306

Peer Median: $22,931

#5 of 1070 Top 0.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $42,412

Peer Median: $9,356

#5 of 1070 Top 0.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.47%

Peer Median: 71.88%

#51 of 1070 Top 4.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.35%

#60 of 1070 Top 5.5% in 100M-500M tier

103

Members Per Employee (MPE)

engagement

Value: 463.429

Peer Median: 309.176

#103 of 1070 Top 9.5% in 100M-500M tier

117

Return on Assets (ROA)

profitability

Value: 1.52%

Peer Median: 0.69%

#117 of 1070 Top 10.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1067

First Mortgage Concentration (%)

balance_sheet

Value: 82.18%

Peer Median: 29.47%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1062

Total Members

engagement

Value: 3,244

Peer Median: 13,200

#1062 of 1070 Bottom 0.8% in 100M-500M tier

1044

Fee Income Per Member

profitability

Value: $34.78

Peer Median: $154.95

#1044 of 1070 Bottom 2.5% in 100M-500M tier

1043

Net Interest Margin (NIM)

profitability

Value: 2.28%

Peer Median: 3.62%

#1043 of 1070 Bottom 2.6% in 100M-500M tier

989

Deposit Growth Rate

growth

Value: -2.90%

Peer Median: 3.30%

#989 of 1070 Bottom 7.7% in 100M-500M tier

969

AMR Growth Rate

growth

Value: -2.71%

Peer Median: 3.46%

#969 of 1070 Bottom 9.5% in 100M-500M tier

968

Loan Growth Rate

growth

Value: -5.33%

Peer Median: 2.93%

#968 of 1070 Bottom 9.6% in 100M-500M tier

919

Asset Growth Rate

growth

Value: -0.49%

Peer Median: 3.91%

#919 of 1070 Bottom 14.2% in 100M-500M tier