BlastPoint's Credit Union Scorecard
BEVERLY HILLS CITY EMPLOYEES
Charter #9823 · CA
BEVERLY HILLS CITY EMPLOYEES has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 39.4% YoY
- + Member Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 3.14% below tier average
- - Efficiency ratio 80.22% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - AMR Growth Rate: Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 3.4% in tier
- - Deposit Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,750
+39.4% YoY+13.4% QoQ
|
-926 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$14.9M
-11.5% YoY-5.3% QoQ
|
$-15.3M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
41% |
| Loans |
$6.3M
-15.1% YoY-6.4% QoQ
|
$-9.0M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$13.1M
-10.2% YoY-3.3% QoQ
|
$-12.6M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
-3.0%
+253.4% YoY+59.5% QoQ
|
-3.1% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.3% in tier |
| NIM |
4.0%
+14.3% YoY+7.0% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
170.9%
+40.1% YoY+26.7% QoQ
|
+80.2% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate |
1.9%
+60.0% YoY+73.8% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
47.7%
-5.4% YoY-3.1% QoQ
|
-10.8% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$11,095
-36.8% YoY-15.7% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration |
3.9%
+0.8% YoY-2.1% QoQ
|
-20.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)