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 2.44% below tier average
- - Efficiency ratio 51.53% above tier (higher cost structure)
- - Member decline: -3.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,546
-3.6% YoY+0.3% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$16.5M
-6.8% YoY-0.3% QoQ
|
$-13.4M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$6.8M
-7.4% YoY-5.2% QoQ
|
$-9.0M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$14.2M
-7.5% YoY-0.8% QoQ
|
$-11.2M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
-1.8%
+226.2% YoY+71.3% QoQ
|
-2.4% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.7% in tier |
| NIM |
3.6%
+10.1% YoY-0.1% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
132.9%
+15.3% YoY+5.2% QoQ
|
+51.5% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 3.2% in tier |
| Delinquency Rate |
1.0%
+188.2% YoY-38.6% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
47.9%
+0.1% YoY-4.4% QoQ
|
-13.3% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$13,607
-4.0% YoY-2.5% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
4.0%
-4.3% YoY+0.9% QoQ
|
-20.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)