B
LBS Financial Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings LBS Financial Credit Union
Westminster, CA
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Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 4.60
Profitability Index 2.50
Stability Index 8.20
Company Info LBS Financial Credit Union
Westminster, CA
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NCUA Charter Number 223
Phone Number (714) 893-5111
Website www.lbsfcu.org
Asset Quality LBS Financial Credit Union
Westminster, CA
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1-Year Asset Growth 1.66%
5-Year Asset Growth 5.89%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans 0.64%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 1.69%
Non-Performing Loans to Loans 0.40%
Balance Sheet LBS Financial Credit Union
Westminster, CA
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Total Assets 2.09B
Total Deposits 1.81B
Capital and Reserves LBS Financial Credit Union
Westminster, CA
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Capital 274.17M
Leverage Ratio 13.13
Loan Loss Reserves to Loans 1.07%
Liquidity LBS Financial Credit Union
Westminster, CA
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Hot Money Ratio 20.82%
Liquidity Ratio 36.83%
Profitability LBS Financial Credit Union
Westminster, CA
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5-Year Return on Average Assets 0.65%
Net Income 1.83M
Net Interest Spread 2.92%
Operating Profit to Average Assets 0.80%
Overhead Efficiency Ratio 72.43%
Return on Assets 0.35%
Return on Equity 2.67%