State credit union · Long Beach, California · NCUA charter #68460
Lbs Financial
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.17B
- Total assets
- 137,582
- Members
- 13.2%
- Net-worth ratio
Lbs Financial scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.17B; members 137,582; net-worth ratio 13.15%; health rank #1,443 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
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Lbs Financial vs every NCUA-scored credit union
Lbs Financial sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Peer-gap read for Lbs Financial
- Largest favorable gap: Net Worth Ratio at 13.15% vs peer 11.18% (+1.97 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.57 pp (61.33% vs 83.90%).
Lbs Financial in California
- In California, health place is #87 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #33 of 243 inside California ($2.17B reported).
- Membership ranks #26 of 243 among California CUs with a reported count (137,582 members).
- One place up in California, Greater Valley (#86) ties at 88/100; one place down, Santa Barbara County (#88) ties at 88/100.
How Lbs Financial's 5300 filing moved
Lbs Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $2.17B (2025Q4) to $2.19B (2026Q1).
- Net-worth ratio shifted +0.10 pp (13.05% → 13.15%).
At 13.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Lbs Financial gives up 12 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 13.5 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 12.8 pts
Lbs Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.15% | +1.97 pp |
| Delinquency Rate | 0.61% | -0.27 pp |
| Return on Assets | 0.40% | -0.11 pp |
| Member Growth | -0.67% | - |
| Loan-to-Share Ratio | 61.33% | -22.57 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Lbs Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.19B | - |
| 2025Q4 | $2.17B | 137,582 |
| 2024Q4 | $2.04B | 138,516 |
| 2023Q4 | $1.97B | 141,406 |
Credit Union Details
- Charter Number
- 68460
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Long Beach
- Data Quarter
- 2025Q4
Branch Locations (8)
Lbs Financial operates 8 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Westminster (Main Office) | Westminster, CA |
| Cerritos | Cerritos, CA |
| Lakewood | Lakewood, CA |
| Bixby Knolls | Long Beach, CA |
| East Long Beach | Long Beach, CA |
| Los Altos | Long Beach, CA |
| Long Beach State Office | Long Beach, CA |
| Marina | Long Beach, 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.
Lbs Financial nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Lbs Financial ranks #1,443 of 4,374 nationally on financial health and #87 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MERIWEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MERIWEST
Frequently Asked Questions
Is Lbs Financial financially healthy?
Lbs Financial has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,443 of 4,374 nationally on health and #87 of 243 in California. Its net worth ratio is 13.15% and its delinquency rate 0.61%.
How does Lbs Financial compare to other credit unions?
Lbs Financial scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.15% vs 11.18%). Its widest shortfall is loan-to-share ratio (61.33% vs 83.90%).
How can I join Lbs Financial?
Membership eligibility for Lbs Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lbs Financial directly for current membership requirements and application steps.
Is my money safe at Lbs Financial?
Lbs Financial is a state-chartered credit union; its shares are federally 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. Lbs Financial's net worth ratio of 13.15% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.