BlastPoint's Credit Union Scorecard
LBS FINANCIAL
Charter #68460 · CA
LBS FINANCIAL has 2 strengths but faces 11 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 66.1% 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
- - Credit Risk Growth: 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
|
83% |
| 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
|
72% |
| 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
|
53% |
| 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
|
74% |
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| 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
|
33% |
| 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
|
29% |
| 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
|
32% |
| 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
|
+9.5% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
85% |
| Indirect Auto % |
54.8%
-1.5% YoY-0.8% QoQ
|
+36.0% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 1.3% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)