BlastPoint's Credit Union Scorecard

LONG BEACH FIREMEN S

Charter #67921 · CA

1069 CUs in 100M-500M nationally 63 in CA

LONG BEACH FIREMEN S has 10 strengths but faces 17 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 0.91% 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
+ 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
+ Net Charge-Off Rate: Top 4.0% in tier
+ Loan-to-Share Ratio: Top 7.1% in tier
+ Members Per Employee (MPE): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 10.5% in tier
- Shrinking Wallet Share: Bottom 34.8% in tier
- Accelerating Exit Risk: Bottom 45.5% in tier
- Capital Constraint: Bottom 45.5% in tier
- Liquidity Overhang: Bottom 47.0% in tier
- Credit Quality Pressure: Bottom 56.1% in tier
- Stagnation Risk: Bottom 65.8% in tier
- Institutional Decline: Bottom 67.8% in tier
- Liquidity Strain: Bottom 80.6% in tier
- Membership Headwinds: Bottom 87.7% in tier
- First Mortgage Concentration (%): Bottom 0.5% in tier
- Total Members: Bottom 0.9% in tier
- Fee Income Per Member: Bottom 1.4% in tier
- Net Interest Margin (NIM): Bottom 5.5% in tier
- AMR Growth Rate: Bottom 5.7% in tier
- Deposit Growth Rate: Bottom 6.0% in tier
- Loan Growth Rate: Bottom 8.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,251 -1.0% YoY-0.5% QoQ	-12.2K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 0.8% in tier
Assets	$203.4M -0.8% YoY-1.1% QoQ	$-28.5M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	52%
Loans	$138.5M -6.2% YoY-1.8% QoQ	$-8.9M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	56%
Deposits	$145.5M -3.3% YoY-2.0% QoQ	$-55.3M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% 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	1.7% +8.8% YoY-5.9% QoQ	+0.9%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Top 6.7% in tier
NIM	2.4% +6.1% YoY-4.1% QoQ	-1.2%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 5.4% in tier
Efficiency Ratio	32.7% -5.5% YoY+4.3% QoQ	-44.3%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Bottom 0.3% in tier
Delinquency Rate	0.4% +65.6% YoY+7.9% QoQ	-0.5	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	27%
Loan To Share	95.2% -2.9% YoY+0.2% QoQ	+22.9%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Top 7.2% in tier
AMR	$87,350 -3.8% YoY-1.4% QoQ	+$63K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 0.5% in tier
CD Concentration	0.0%	-24.4%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Wealth Migration Risk

decline

#3 of 20 • Bottom 10.5% in tier

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

Why This Signature

Avg Member Relationship: $87.4K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -3.75%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

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

Shrinking Wallet Share

decline

#73 of 208 • Bottom 34.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.75%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#26 of 56 • Bottom 45.5% in tier

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

Why This Signature

Member Growth (YoY): -1.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -3.75%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Capital Constraint

risk

#11 of 23 • Bottom 45.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 95.16%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -3.32%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 28.39%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Liquidity Overhang

risk

#64 of 135 • Bottom 47.0% in tier

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

Why This Signature

Net Worth Ratio: 28.39%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 95.16%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#396 of 705 • Bottom 56.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Stagnation Risk

risk

#365 of 554 • Bottom 65.8% 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): -1.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.15%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#163 of 240 • Bottom 67.8% in tier

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

Why This Signature

Total Assets: $203.38M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.15%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Strain

risk

#184 of 228 • Bottom 80.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.16%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -6.15%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Membership Headwinds

decline

#486 of 554 • Bottom 87.7% in tier

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

Why This Signature

Member Growth (YoY): -1.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 32.68%

Peer Median: -

#4 of 1069 Top 0.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 28.39%

Peer Median: -

#5 of 1069 Top 0.4% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $87,350

Peer Median: -

#5 of 1069 Top 0.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $42,592

Peer Median: -

#5 of 1069 Top 0.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#44 of 1069 Top 4.0% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Median: -

#72 of 1069 Top 6.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.16%

Peer Median: -

#77 of 1069 Top 7.1% in 100M-500M tier

103

Members Per Employee (MPE)

engagement

Value: 464.429

Peer Median: -

#103 of 1069 Top 9.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1065

First Mortgage Concentration (%)

balance_sheet

Value: 82.30%

Peer Median: -

#1065 of 1069 Bottom 0.5% in 100M-500M tier

1060

Total Members

engagement

Value: 3,251

Peer Median: -

#1060 of 1069 Bottom 0.9% in 100M-500M tier

1055

Fee Income Per Member

profitability

Value: $37.80

Peer Median: -

#1055 of 1069 Bottom 1.4% in 100M-500M tier

1011

Net Interest Margin (NIM)

profitability

Value: 2.43%

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

1009

AMR Growth Rate

growth

Value: -3.75%

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier

1006

Deposit Growth Rate

growth

Value: -3.32%

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

982

Loan Growth Rate

growth

Value: -6.15%

Peer Median: -

#982 of 1069 Bottom 8.2% in 100M-500M tier

943

Asset Growth Rate

growth

Value: -0.77%

Peer Median: -

#943 of 1069 Bottom 11.9% in 100M-500M tier