BlastPoint's Credit Union Scorecard

LBS FINANCIAL

Charter #68460 · CA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 40 in CA

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LBS FINANCIAL has 2 strengths but faces 11 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 56.6% in tier
+ Members Per Employee (MPE): Top 3.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 3.6% in tier
- Credit Risk Growth: Bottom 40.5% in tier
- Credit Quality Pressure: Bottom 63.8% in tier
- Membership Headwinds: Bottom 97.6% in tier
- Stagnation Risk: Bottom 97.6% in tier
- ROA 0.11% below tier average
- Indirect Auto Concentration (%): Bottom 1.7% in tier
- Fee Income Per Member: Bottom 4.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- Loan-to-Share Ratio: Bottom 8.3% in tier
- Net Interest Margin (NIM): Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	137,582 -0.7% YoY+0.1% QoQ	+40.2K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	82%
Assets	$2.2B +6.3% YoY+2.7% QoQ	+$448.7M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	76%
Loans	$1.1B +9.6% YoY+0.7% QoQ	$-93.0M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	53%
Deposits	$1.9B +5.4% YoY+1.8% QoQ	+$401.7M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +34.2% YoY+17.9% QoQ	-0.1%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	41%
NIM	2.5% +9.7% YoY+2.4% QoQ	-0.8%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 9.3% in tier
Efficiency Ratio	66.8% -7.7% YoY-3.2% QoQ	-7.2%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	23%
Delinquency Rate	0.6% +16.4% YoY+19.7% QoQ	-0.3	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	36%
Loan To Share	61.3% +3.9% YoY-1.1% QoQ	-23.5%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 7.9% in tier
AMR	$21,823 +7.7% YoY+1.2% QoQ	$-8K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Bottom 12.6% in tier
CD Concentration	38.8% +7.5% YoY+1.1% QoQ	+9.8%	29.0%	21.7%	19.8%	Top 13.8% in tier
Indirect Auto %	53.9% -2.5% YoY-1.7% QoQ	+35.6%	18.3%	9.2%	7.8%	Top 1.6% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#70 of 123 • Top 56.6% in tier

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

Why This Signature

AMR Growth (YoY): 7.70%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#8 of 196 • Bottom 3.6% in tier

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

Why This Signature

Asset Growth (YoY): 6.30%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 53.87%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.67%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY

Credit Risk Growth

risk

#67 of 164 • Bottom 40.5% in tier

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

Why This Signature

Loan Growth (YoY): 9.58%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

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

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk

#135 of 211 • Bottom 63.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

Membership Headwinds

decline

#83 of 85 • Bottom 97.6% in tier

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

Why This Signature

Member Growth (YoY): -0.67%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Stagnation Risk

risk

#83 of 85 • Bottom 97.6% 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): -0.67%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 9.58%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.61%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

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 302 peers in tier

Top Strengths (8 metrics)

Members Per Employee (MPE)

engagement

Value: 533.264

Peer Median: -

#12 of 302 Top 3.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.05%

Peer Median: -

#53 of 302 Top 17.2% in 1B-3B tier

Total Members

engagement

Value: 137,582

Peer Median: -

#53 of 302 Top 17.2% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.70%

Peer Median: -

#56 of 302 Top 18.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.85%

Peer Median: -

#71 of 302 Top 23.2% in 1B-3B tier

Loan Growth Rate

growth

Value: 9.58%

Peer Median: -

#73 of 302 Top 23.8% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.17B

Peer Median: -

#74 of 302 Top 24.2% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.86B

Peer Median: -

#74 of 302 Top 24.2% in 1B-3B tier

Top Weaknesses (7 metrics)

298

Indirect Auto Concentration (%)

balance_sheet

Value: 53.87%

Peer Median: -

#298 of 302 Bottom 1.7% in 1B-3B tier

290

Fee Income Per Member

profitability

Value: $96.02

Peer Median: -

#290 of 302 Bottom 4.3% in 1B-3B tier

285

Loan-to-Member Ratio (LMR)

engagement

Value: $8,296

Peer Median: -

#285 of 302 Bottom 6.0% in 1B-3B tier

278

Loan-to-Share Ratio

balance_sheet

Value: 61.33%

Peer Median: -

#278 of 302 Bottom 8.3% in 1B-3B tier

274

Net Interest Margin (NIM)

profitability

Value: 2.51%

Peer Median: -

#274 of 302 Bottom 9.6% in 1B-3B tier

267

Share Certificate Concentration (%)

balance_sheet

Value: 38.85%

Peer Median: -

#267 of 302 Bottom 11.9% in 1B-3B tier

264

Average Member Relationship (AMR)

engagement

Value: $21,823

Peer Median: -

#264 of 302 Bottom 12.9% in 1B-3B tier