Federal credit union · Signal Hill, California · NCUA charter #1438
Long Beach City Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $269.9M
- Total assets
- 9,732
- Members
- 13.3%
- Net-worth ratio
Long Beach City Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $269.9M; members 9,732; net-worth ratio 13.32%; health rank #2,968 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,968 of 4,374 health · 2025Q4Long Beach City Employees · health 78/100 · $269.9M · 2025Q4
- HEALTH 78/100
- NW 13.3%
- DELQ 0.03%
- ROA -0.18%
- ASSETS $269.9M
- MEM 9,732
- RANK #2,968/4,374
- PHOTO Puget Sound Cooperative
- BOOK 1438
Call Report peers
Long Beach City Employees in the assets neighbourhood
Long Beach City Employees's $269.9M assets sit next to Puget Sound Cooperative ($269.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Long Beach City Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Long Beach City Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1438. See our deposit-insurance coverage note.
Peer-gap read for Long Beach City Employees
- Largest favorable gap: Net Worth Ratio at 13.32% vs peer 12.11% (+1.21 pp).
- Loan-to-Share Ratio trails the peer set - 50.63% here, 72.20% peer average (-21.57 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Long Beach City Employees
- In California, health place is #173 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #111 of 243 inside California ($269.9M reported).
- Membership ranks #126 of 243 among California CUs with a reported count (9,732 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Long Beach City Employees's 5300 filing moved
Long Beach City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $269.9M (2025Q4) to $279.3M (2026Q1).
- Net-worth ratio shifted -0.40 pp (13.72% → 13.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.9 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 10.3 pts
Call Report ratios for Long Beach City Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.32% | +1.21 pp |
| Delinquency Rate | 0.03% | -0.86 pp |
| Return on Assets | -0.18% | -0.80 pp |
| Member Growth | 0.63% | - |
| Loan-to-Share Ratio | 50.63% | -21.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $279.3M | - |
| 2025Q4 | $269.9M | 9,732 |
| 2024Q4 | $277.5M | 9,671 |
| 2023Q4 | $284.3M | 9,698 |
Credit Union Details
- Charter Number
- 1438
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- Signal Hill
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Long Beach City Employees runs 2 offices.
| Office | City |
|---|---|
| Long Beach City Employees Federal Credit Union (Main Office) | Signal Hill, CA |
| Long Beach City Employees Federal Credit Union 2845 Branch | Signal Hill, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Long Beach City Employees
Long Beach City Employees's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($269.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Long Beach City Employees ranks #2,968 of 4,374 nationally on financial health and #173 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EDWARDS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EDWARDS
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Long Beach City Employees financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Long Beach City Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,968 of 4,374; by total assets it ranks #1,091 of 4,374 nationally (same basis as /rankings/largest); and #111 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.32% net worth ratio and 0.03% delinquency rate are the key drivers.
How does Long Beach City Employees compare to other credit unions?
78/100 is Long Beach City Employees's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Long Beach City Employees?
Long Beach City Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Long Beach City Employees directly for the current list of qualifying groups.
Is my money safe at Long Beach City Employees?
Federal credit unions like Long Beach City Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Long Beach City Employees's net worth ratio of 13.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Long Beach City Employees offer compared to banks?
Credit unions like Long Beach City Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Long Beach City Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.