State credit union · Long Beach, California · NCUA charter #67921
Long Beach Firemen S
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $203.4M
- Total assets
- 3,251
- Members
- 28.4%
- Net-worth ratio
Long Beach Firemen S - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67921: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Long Beach Firemen S - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth48
- Liquidity (loan-to-share)85
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
28.39% 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 | 28.39% | 30% |
| Delinquency Rate | 0.44% | 25% |
| Return on Assets | 1.55% | 15% |
| Member Growth | -1.00% | 15% |
| Loan-to-Share Ratio | 95.16% | 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 | $203.4M | 3,251 |
| 2024Q4 | $205.0M | 3,284 |
| 2023Q4 | $209.9M | 3,311 |
Credit Union Details
- Charter Number
- 67921
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Long Beach
- Data Quarter
- 2025Q4
What This Data Says About Long Beach Firemen S
Charter #67921, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Long Beach Firemen S, a state credit union in Long Beach, California with 3,251 members, $203.4M in total assets, and $138.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 90/100 (Excellent), helped by a net worth ratio of 28.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.44% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 95.16% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.55% on net income of $3.2M 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 -1.00%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
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 Firemen S financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Long Beach Firemen S carries a financial health score of 90/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 28.39% net worth ratio and a 0.44% delinquency rate.
How does Long Beach Firemen S compare to other credit unions?
Five weighted metrics from NCUA filings produce Long Beach Firemen S's 90/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Firemen S?
Membership eligibility for Long Beach Firemen S depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Long Beach Firemen S directly for current membership requirements and application steps.
Is my money safe at Long Beach Firemen S?
Federal credit unions like Long Beach Firemen S 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 Firemen S's net worth ratio of 28.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Long Beach Firemen S offer compared to banks?
Credit unions like Long Beach Firemen S 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 Firemen S 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.