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Long Beach Firemen S

Long Beach, CA · Charter 67921

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Long Beach Firemen S

Long Beach, CA · Charter 67921

NCUA · 1 branch

Q2 2026

$201.5MAssets
$134.4MLoans
$142.0MShares
$59.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.55%, down 21 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.02% of loans (-71 bps YoY).
  • Capital: net worth / assets of 29.43%, up 172 bps from a year ago.
  • Funding: loans stand at 94.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.36%-18 bps YoY

Efficiency Ratio (YTD, annualized)

36.02%+382 bps YoY

Net Worth / Assets

29.43%+172 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.77%1.68%1.52%1.55%-21 bps
Return on Equity6.36%6.37%5.93%5.32%5.26%-110 bps
Net Interest Margin2.54%2.51%2.44%2.28%2.36%-18 bps
Efficiency Ratio32.20%31.33%32.68%34.71%36.02%+382 bps
Growth
Asset Growth (YoY)-0.69%0.41%-0.77%-0.49%-0.47%+21 bps
Loan Growth (YoY)-4.75%-4.92%-6.15%-5.33%-5.56%-81 bps
Share Growth (YoY)-3.18%-1.75%-3.32%-2.90%-2.81%+37 bps
Asset Quality
Delinquent Loans / Loans0.73%0.41%0.44%0.42%0.02%-71 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.71%27.75%28.39%28.65%29.43%+172 bps
Net Worth / Assets27.71%27.75%28.39%28.65%29.43%+172 bps
Liquidity & Funding
Loans / Shares97.34%94.98%95.16%94.47%94.60%-275 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Long Beach Firemen S

Long Beach, CA · Charter 67921 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$201.5MAssets
$134.4MLoans
$142.0MShares
$59.3MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 2 of 62).
  • Widest gap: net interest margin trails 89% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 55 of 62).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.55%

Rank 5 of 62

Net Interest Margin

2.36%

Rank 55 of 62

Efficiency Ratio

36.04%

Rank 2 of 62

Equity / Assets

29.43%

Rank 2 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.55%0.01%0.47%0.92%Beats 92%5 / 62
Return on Equity5.26%0.18%3.35%5.66%Beats 65%22 / 62
Net Interest Margin2.36%2.88%3.31%3.93%Beats 11%55 / 62
Efficiency Ratio36.04%71.17%84.14%92.47%Beats 98%2 / 62
Asset Quality
Nonperforming Loans / Loans0.02%0.22%0.52%0.99%Beats 89%8 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio29.43%9.30%12.20%16.33%Beats 97%2 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets29.43%9.30%12.20%16.33%Beats 97%2 / 62
Liquidity & Funding
Loans / Deposits94.60%48.69%57.00%84.55%94th pctl4 / 62
Loans / Assets66.69%42.93%53.05%69.62%71st pctl18 / 62
Brokered Deposits / Depositsn/aNot reported for this institution