Lbs Financial

Long Beach, CA · 2 · Charter #68460 · www.lbsfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.2B
51th percentile
Members
137,582
58th percentile
Total loans
$1.1B
37th percentile
Total shares
$1.9B
52th percentile

Profitability

Return on assets
1.02%
51th percentile
Net interest margin
2.48%
11th percentile
Efficiency ratio
43.63%
80th percentile
Non-interest income ratio
12.87%
15th percentile

Capital & Risk

Net worth ratio
13.05%
83th percentile
Delinquency rate
0.61%
62th percentile
Net charge-off rate
0.61%
36th percentile
Loan-to-share
61.33%
7th percentile

Growth

Member growth YoY
-0.67%
21th percentile
Asset growth YoY
6.30%
56th percentile
Loan growth YoY
9.58%
75th percentile
Share growth YoY
5.43%
50th percentile

Operations

Members / branch
19,655
95th percentile
Assets / member
$15,787
28th percentile
Field of membership penetration
9.69%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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