BlastPoint's Credit Union Scorecard
BEVERLY HILLS CITY EMPLOYEES
Charter #9823 · CA
BEVERLY HILLS CITY EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.50% below tier average
- - Efficiency ratio 52.26% above tier (higher cost structure)
- - Member decline: -2.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,543
-2.8% YoY-0.2% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$15.7M
-6.4% YoY-4.6% QoQ
|
$-14.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$6.7M
-5.8% YoY-1.8% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$13.6M
-7.1% YoY-4.4% QoQ
|
$-12.1M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
-1.9%
+136.4% YoY+6.7% QoQ
|
-2.5% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.3% in tier |
| NIM |
3.8%
+10.5% YoY+5.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
134.8%
+10.7% YoY+1.4% QoQ
|
+52.3% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
1.1%
-33.0% YoY+7.6% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
49.2%
+1.5% YoY+2.7% QoQ
|
-11.4% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$13,154
-4.0% YoY-3.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
4.0%
+8.1% YoY-0.3% QoQ
|
-20.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)