LONG BEACH FIREMEN S
Charter #67921 | CA
100M-500M
(1077 CUs)
Micro
($0-$500M)
63 100M-500M in CA
LONG BEACH FIREMEN S has 11 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 9.0% in tier
- + ROA 0.99% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.3% 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
- + Net Charge-Off Rate: Top 7.2% in tier
- + Loan-to-Share Ratio: Top 7.3% in tier
- + Members Per Employee (MPE): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.1% in tier
- - Wealth Migration Risk: Bottom 9.1% in tier
- - Deposit Outflow: Bottom 12.1% in tier
- - Shrinking Wallet Share: Bottom 13.0% in tier
- - Liquidity Overhang: Bottom 15.3% in tier
- - Accelerating Exit Risk: Bottom 16.4% in tier
- - Credit Quality Pressure: Bottom 17.4% in tier
- - Liquidity Strain: Bottom 24.9% in tier
- - Institutional Decline: Bottom 26.8% in tier
- - Membership Headwinds: Bottom 30.6% in tier
- - First Mortgage Concentration (%): Bottom 0.5% in tier
- - Total Members: Bottom 0.9% in tier
- - Fee Income Per Member: Bottom 1.9% in tier
- - Net Interest Margin (NIM): Bottom 6.5% in tier
- - AMR Growth Rate: Bottom 9.6% in tier
- - Deposit Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,266
-0.8% YoY-0.2% QoQ
|
-12.4K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 0.8% in tier |
| Assets |
$205.6M
+0.4% YoY+1.6% QoQ
|
$-25.7M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
52nd in tier |
| Loans |
$141.0M
-4.9% YoY-0.9% QoQ
|
$-6.8M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
57th in tier |
| Deposits |
$148.4M
-1.8% YoY+1.5% QoQ
|
$-51.9M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
40th in tier |
| ROA |
1.8%
+12.0% YoY+1.8% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 5.8% in tier |
| NIM |
2.5%
+7.9% YoY+0.5% QoQ
|
-1.1% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.4% in tier |
| Efficiency Ratio |
31.3%
-8.2% YoY-2.7% QoQ
|
-45.9% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate |
0.4%
+52.5% YoY-44.4% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
28th in tier |
| Loan To Share |
95.0%
-3.2% YoY-2.4% QoQ
|
+22.3% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 7.4% in tier |
| AMR |
$88,603
-2.6% YoY+0.5% QoQ
|
+$64K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 0.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#169 of 627 • Top 9.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.78%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.79%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (10)
Stagnation Risk
risk
#85 of 550 • Bottom 5.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.78%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.79%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$88.6K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
0.00%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Wealth Migration Risk
decline
#11 of 28 • Bottom 9.1% in tier
High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Why This Signature
Avg Member Relationship:
$88.6K
(Tier: $25.0K, National: $19.4K)
AMR Growth (YoY):
-2.55%
(Tier:
3.68%, National:
4.19%)
Total Assets:
$205.59M
(Tier: $231.30M, National: $547.69M)
28 of 1077 Community CUs have this signature
| 39 nationally
↓ Shrinking
-32 CUs YoY
Deposit Outflow
decline
#72 of 114 • Bottom 12.1% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-1.75%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$205.59M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
Rank worsening
Shrinking Wallet Share
decline
#131 of 244 • Bottom 13.0% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-2.55%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#238 of 552 • Bottom 15.3% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
27.75%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
94.98%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Accelerating Exit Risk
decline
#44 of 58 • Bottom 16.4% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-0.79%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-2.55%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#431 of 736 • Bottom 17.4% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.14% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#194 of 258 • Bottom 24.9% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.98%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
-4.92%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank worsening
Institutional Decline
decline
#212 of 256 • Bottom 26.8% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$205.59M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-0.79%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-4.92%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Membership Headwinds
decline
#504 of 550 • Bottom 30.6% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-0.79%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 23.61%
#1 of 1077
Top 0.0% in 100M-500M tier
4
Efficiency Ratio
profitability
Value:
31.33%
Peer Avg: 77.28%
#4 of 1077
Top 0.3% in 100M-500M tier
5
Average Member Relationship (AMR)
engagement
Value:
$88,603
Peer Avg: $24,363
#5 of 1077
Top 0.4% in 100M-500M tier
5
Loan-to-Member Ratio (LMR)
engagement
Value:
$43,161
Peer Avg: $10,245
#5 of 1077
Top 0.4% in 100M-500M tier
6
Net Worth Ratio
risk
Value:
27.75%
Peer Avg: 12.15%
#6 of 1077
Top 0.5% in 100M-500M tier
62
Return on Assets (ROA)
profitability
Value:
1.78%
Peer Avg: 0.79%
#62 of 1077
Top 5.7% in 100M-500M tier
79
Net Charge-Off Rate
risk
Value:
0.05%
Peer Avg: 0.47%
#79 of 1077
Top 7.2% in 100M-500M tier
80
Loan-to-Share Ratio
balance_sheet
Value:
94.98%
Peer Avg: 72.70%
#80 of 1077
Top 7.3% in 100M-500M tier
96
Members Per Employee (MPE)
engagement
Value:
466.571
Peer Avg: 332.881
#96 of 1077
Top 8.8% in 100M-500M tier
Top Weaknesses (8 metrics)
1073
First Mortgage Concentration (%)
balance_sheet
Value:
81.92%
Peer Avg: 30.43%
#1073 of 1077
Bottom 0.5% in 100M-500M tier
1068
Total Members
engagement
Value:
3,266
Peer Avg: 15,628
#1068 of 1077
Bottom 0.9% in 100M-500M tier
1057
Fee Income Per Member
profitability
Value:
$38.06
Peer Avg: $174.31
#1057 of 1077
Bottom 1.9% in 100M-500M tier
1008
Net Interest Margin (NIM)
profitability
Value:
2.53%
Peer Avg: 3.58%
#1008 of 1077
Bottom 6.5% in 100M-500M tier
975
AMR Growth Rate
growth
Value:
-2.55%
Peer Avg: 3.64%
#975 of 1077
Bottom 9.6% in 100M-500M tier
971
Deposit Growth Rate
growth
Value:
-1.75%
Peer Avg: 4.69%
#971 of 1077
Bottom 9.9% in 100M-500M tier
930
Loan Growth Rate
growth
Value:
-4.92%
Peer Avg: 3.45%
#930 of 1077
Bottom 13.7% in 100M-500M tier
853
Asset Growth Rate
growth
Value:
0.41%
Peer Avg: 4.70%
#853 of 1077
Bottom 20.9% in 100M-500M tier