LBS FINANCIAL

Charter #68460 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

LBS FINANCIAL has 3 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 10.5% in tier
  • + Relationship Depth Leader: Top 23.0% in tier
  • + Members Per Employee (MPE): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.3% in tier
  • - Liquidity Overhang: Bottom 7.5% in tier
  • - Growth-at-Risk: Bottom 22.1% in tier
  • - Credit Quality Pressure: Bottom 23.5% in tier
  • - Membership Headwinds: Bottom 33.0% in tier
  • - Stagnation Risk: Bottom 33.5% in tier
  • - ROA 0.22% below tier average
  • - Indirect Auto Concentration (%): Bottom 1.6% in tier
  • - Fee Income Per Member: Bottom 3.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
  • - Net Interest Margin (NIM): Bottom 8.6% in tier
  • - Loan-to-Share Ratio: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 137,390
-0.6% YoY+1.0% QoQ
 +38.7K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 17.4% in tier
Assets $2.1B
+4.3% YoY+0.6% QoQ
 +$395.7M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 72nd in tier
Loans $1.1B
+7.5% YoY+1.7% QoQ
 $-99.4M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $1.8B
+5.2% YoY+0.4% QoQ
 +$373.9M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 74th in tier
ROA 0.5%
+13.7% YoY+26.8% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 33rd in tier
NIM 2.4%
+8.9% YoY+3.4% QoQ
 -0.8% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 8.2% in tier
Efficiency Ratio 69.0%
-5.8% YoY-2.4% QoQ
 -4.9% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 29th in tier
Delinquency Rate 0.5%
+6.9% YoY+10.5% QoQ
 -0.3 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 32nd in tier
Loan To Share 62.0%
+2.3% YoY+1.3% QoQ
 -23.2% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 8.9% in tier
AMR $21,558
+6.6% YoY-0.1% QoQ
 $-8K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 11.8% in tier
CD Concentration 38.4%
+9.1% YoY+3.3% QoQ
 +9.4% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 15.3% in tier
Indirect Auto % 54.8%
-1.5% YoY-0.8% QoQ
 +36.0% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Top 1.3% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#77 of 264 • Top 10.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.65%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#167 of 264 • Top 23.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.65%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (6)

Indirect Auto Dependency

risk
#15 of 202 • Bottom 2.3% in tier

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

Why This Signature
Asset Growth (YoY): 4.32%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 54.78%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.56%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Overhang

risk
#25 of 113 • Bottom 7.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.18%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 62.00%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Growth-at-Risk

risk
#124 of 161 • Bottom 22.1% in tier

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

Why This Signature
Loan Growth (YoY): 7.53%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#181 of 217 • Bottom 23.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Membership Headwinds

decline
#80 of 85 • Bottom 33.0% in tier

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

Why This Signature
Member Growth (YoY): -0.56%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Stagnation Risk

risk
#81 of 85 • Bottom 33.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.49%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.56%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.6K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 38.43%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (4 metrics)

12
Members Per Employee (MPE)
engagement
Value: 534.591
Peer Avg: 364.953
#12 of 304 Top 3.6% in 1B-3B tier
51
Net Worth Ratio
risk
Value: 13.18%
Peer Avg: 11.44%
#51 of 304 Top 16.4% in 1B-3B tier
53
Total Members
engagement
Value: 137,390
Peer Avg: 98,678
#53 of 304 Top 17.1% in 1B-3B tier
62
AMR Growth Rate
growth
Value: 6.65%
Peer Avg: 3.29%
#62 of 304 Top 20.1% in 1B-3B tier

Top Weaknesses (8 metrics)

300
Indirect Auto Concentration (%)
balance_sheet
Value: 54.78%
Peer Avg: 18.32%
#300 of 304 Bottom 1.6% in 1B-3B tier
293
Fee Income Per Member
profitability
Value: $96.19
Peer Avg: $210.52
#293 of 304 Bottom 3.9% in 1B-3B tier
288
Loan-to-Member Ratio (LMR)
engagement
Value: $8,251
Peer Avg: $13,213
#288 of 304 Bottom 5.6% in 1B-3B tier
279
Net Interest Margin (NIM)
profitability
Value: 2.45%
Peer Avg: 3.26%
#279 of 304 Bottom 8.6% in 1B-3B tier
277
Loan-to-Share Ratio
balance_sheet
Value: 62.00%
Peer Avg: 85.19%
#277 of 304 Bottom 9.2% in 1B-3B tier
268
Average Member Relationship (AMR)
engagement
Value: $21,558
Peer Avg: $29,172
#268 of 304 Bottom 12.2% in 1B-3B tier
266
Share Certificate Concentration (%)
balance_sheet
Value: 38.43%
Peer Avg: 28.53%
#266 of 304 Bottom 12.8% in 1B-3B tier
229
Member Growth Rate
growth
Value: -0.56%
Peer Avg: 2.20%
#229 of 304 Bottom 25.0% in 1B-3B tier