LBS FINANCIAL
Charter #68460 · Long Beach, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 138,472 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.15% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.81% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.93% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.24% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LBS FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.19B | 49th pct | 80th pct |
| Members | 138,472 | 56th pct | 82th pct |
| Net worth ratio | 13.15% | 82th pct | 77th pct |
| Return on average assets | 0.86% | 61th pct | 49th pct |
| Net interest margin | 2.81% | 17th pct | 8th pct |
| Cost of funds | 1.93% | 56th pct | 84th pct |
| Loan-to-share | 60.83% | 8th pct | 10th pct |
| Delinquency 60+ days | 0.36% | 21th pct | 44th pct |
| Net charge-off ratio | 0.84% | 77th pct | 70th pct |
| Loan growth YoY | 1.82% | 51th pct | 54th pct |
| Share growth YoY | 3.79% | 43th pct | 33th pct |
| Efficiency ratio | 63.24% | 19th pct | 13th pct |
structural peer set hash: b83b0dbe5cbd21ad02cead785e3a441e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.