BlastPoint's Credit Union Scorecard
LBS FINANCIAL
Charter #68460 · CA
LBS FINANCIAL has 3 strengths but faces 7 concerns
How does the industry compare?
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 18.4% in tier
- + ROA 0.14% above tier average
- + Members Per Employee (MPE): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 78.9% in tier
- - Stagnation Risk: Bottom 78.9% in tier
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
- - Fee Income Per Member: Bottom 6.9% in tier
- - Loan-to-Share Ratio: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
138,472
-0.9% YoY+0.6% QoQ
|
+42.4K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$2.2B
+5.0% YoY+0.9% QoQ
|
+$471.5M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$1.2B
+8.2% YoY+1.1% QoQ
|
$-59.5M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$1.9B
+4.9% YoY+2.0% QoQ
|
+$432.0M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
0.9%
+142.0% YoY+49.2% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
2.8%
+24.8% YoY+11.4% QoQ
|
-0.6% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 15.0% in tier |
| Efficiency Ratio |
63.2%
-12.7% YoY-5.4% QoQ
|
-11.4% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
0.4%
-9.8% YoY-41.1% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
60.8%
+3.1% YoY-0.8% QoQ
|
-22.4% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.5% in tier |
| AMR |
$22,039
+7.1% YoY+1.0% QoQ
|
$-8K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.1% in tier |
| CD Concentration |
39.0%
+7.7% YoY+0.3% QoQ
|
+10.1% | 28.8% | 21.6% | 19.8% | Top 12.3% in tier |
| Indirect Auto % |
53.9%
-2.5% YoY+0.1% QoQ
|
+35.9% | 18.1% | 9.0% | 7.7% | Bottom 1.8% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)