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
NCUA 5300 Call Report Masthead
#1,443 of 4,374 health · 2025Q4Lbs Financial · health 88/100 · $2.17B · 2025Q4
- BOOK 88/100
- CHARTER 13.2%
- NCUSIF 0.61%
- CAMELS 0.40%
- HEALTH $2.17B
- NW 137,582
- DELQ #1,443/4,374
- ROA BLUE
- ASSETS 68460
Lbs Financial in the assets neighbourhood
Lbs Financial's $2.17B assets sit next to BLUE ($2.17B) 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.
Lbs Financial 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
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
Lbs Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68460, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Lbs Financial's 5300 filing moved
Lbs Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $2.17B (2025Q4) to $2.19B (2026Q1).
- Net-worth ratio shifted +0.10 pp (13.05% → 13.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for Lbs Financial, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.17B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 Lbs Financial financially healthy?
A 13.15% net worth ratio and a 0.61% delinquency rate feed into Lbs Financial's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,443 of 4,374; by total assets it ranks #239 of 4,374 nationally (same basis as /rankings/largest); and #33 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Lbs Financial compare to other credit unions?
On PlainCU's health composite, Lbs Financial lands at 88/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Lbs Financial 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. Lbs Financial's net worth ratio of 13.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lbs Financial offer compared to banks?
Credit unions like Lbs Financial 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 Lbs Financial 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.