Federal credit union · Signal Hill, California · NCUA charter #1438
Long Beach City Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $269.9M
- Total assets
- 9,732
- Members
- 13.7%
- Net-worth ratio
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.
Long Beach City Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)19
- Member growth65
- Liquidity (loan-to-share)71
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.72% | 30% |
| Delinquency Rate | 0.03% | 25% |
| Return on Assets | -0.18% | 15% |
| Member Growth | 0.63% | 15% |
| Loan-to-Share Ratio | 50.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Long Beach City Employees
Long Beach City Employees is a federal credit union headquartered in Signal Hill, California, serving 9,732 members with $269.9M in total assets and $115.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 78/100 (Very Good), anchored by a net worth ratio of 13.72% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #1438 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.03% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 50.63% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.18% on net income of $-483632 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.63%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.72% 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 13.72% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.