BlastPoint's Credit Union Scorecard

LBS FINANCIAL

Charter #68460 · CA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 37 in CA

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LBS FINANCIAL has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 24.7% in tier
+ Members Per Employee (MPE): Top 5.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 26.3% in tier
- Indirect Auto Dependency: Bottom 53.0% in tier
- Credit Risk Growth: Bottom 53.5% in tier
- Membership Headwinds: Bottom 81.2% in tier
- Stagnation Risk: Bottom 81.2% in tier
- ROA 0.07% below tier average
- Indirect Auto Concentration (%): Bottom 2.7% in tier
- Fee Income Per Member: Bottom 5.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
Shares and deposits +4.7% year over year ($1.91B in shares and deposits).
Membership: 134,234 members, -1.3% vs a year ago.
Delinquency rate 0.61%.
Return on assets 0.75%.
Efficiency ratio 64.17% vs a 73.02% peer average.
Loan-to-share ratio 61.55% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	134,234 -1.3% YoY-3.1% QoQ	+37.4K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	83%
Assets	$2.2B +5.0% YoY+0.8% QoQ	+$483.9M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	77%
Loans	$1.2B +5.3% YoY+1.7% QoQ	$-60.5M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	54%
Deposits	$1.9B +4.7% YoY+0.5% QoQ	+$443.7M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	77%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +94.6% YoY-12.8% QoQ	-0.1%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	47%
NIM	2.8% +20.0% YoY+1.7% QoQ	-0.6%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 13.3% in tier
Efficiency Ratio	64.2% -9.3% YoY+1.5% QoQ	-8.8%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	16%
Delinquency Rate	0.6% +31.7% YoY+69.0% QoQ	-0.3	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	41%
Loan To Share	61.5% +0.5% YoY+1.2% QoQ	-23.2%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 9.7% in tier
AMR	$22,951 +6.3% YoY+4.1% QoQ	$-7K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	18%
CD Concentration	39.1% +5.2% YoY+0.3% QoQ	+10.0%	29.1%	22.2%	20.0%	Top 12.3% in tier
Indirect Auto %	53.6% -3.0% YoY-0.6% QoQ	+35.5%	18.1%	9.2%	7.7%	Bottom 2.4% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#92 of 125 • Top 24.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.31%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk

#19 of 193 • Bottom 53.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.03%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 53.59%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.28%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#98 of 215 • Bottom 26.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#93 of 170 • Bottom 53.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.28%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Membership Headwinds

decline

#71 of 86 • Bottom 81.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.28%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Stagnation Risk

risk

#76 of 86 • Bottom 81.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.28%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 5.28%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.61%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 300 peers in tier

Top Strengths (7 metrics)

Members Per Employee (MPE)

engagement

Value: 508.462

Peer Median: 346.173

#16 of 300 Top 5.0% in 1B-3B tier

Efficiency Ratio

profitability

Value: 64.17%

Peer Median: 73.62%

#48 of 300 Top 15.7% in 1B-3B tier

Total Members

engagement

Value: 134,234

Peer Median: 86,516

#52 of 300 Top 17.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.11%

Peer Median: 10.91%

#64 of 300 Top 21.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.21B

Peer Median: $1.51B

#69 of 300 Top 22.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.91B

Peer Median: $1.30B

#69 of 300 Top 22.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.31%

Peer Median: 3.19%

#75 of 300 Top 24.7% in 1B-3B tier

Top Weaknesses (9 metrics)

293

Indirect Auto Concentration (%)

balance_sheet

Value: 53.59%

Peer Median: 14.26%

#293 of 300 Bottom 2.7% in 1B-3B tier

285

Fee Income Per Member

profitability

Value: $99.74

Peer Median: $204.73

#285 of 300 Bottom 5.3% in 1B-3B tier

280

Loan-to-Member Ratio (LMR)

engagement

Value: $8,744

Peer Median: $12,809

#280 of 300 Bottom 7.0% in 1B-3B tier

271

Loan-to-Share Ratio

balance_sheet

Value: 61.55%

Peer Median: 87.07%

#271 of 300 Bottom 10.0% in 1B-3B tier

271

Share Certificate Concentration (%)

balance_sheet

Value: 39.10%

Peer Median: 28.24%

#271 of 300 Bottom 10.0% in 1B-3B tier

260

Net Interest Margin (NIM)

profitability

Value: 2.84%

Peer Median: 3.46%

#260 of 300 Bottom 13.7% in 1B-3B tier

246

Average Member Relationship (AMR)

engagement

Value: $22,951

Peer Median: $28,089

#246 of 300 Bottom 18.3% in 1B-3B tier

239

Member Growth Rate

growth

Value: -1.28%

Peer Median: 1.84%

#239 of 300 Bottom 20.7% in 1B-3B tier

227

Net Charge-Off Rate

risk

Value: 0.80%

Peer Median: 0.52%

#227 of 300 Bottom 24.7% in 1B-3B tier