LBS Financial Credit Union Westminster, California
LBS Financial Credit Union is a state-chartered credit union headquartered in Westminster, CA, established in 1935 (NCUA charter 68460), and it is regulated and insured by the NCUA. At Q2 2026 it reported 134,234 members and total assets of $2.21B (up 5.0% from Q2 2025), the 32nd largest of 238 credit unions headquartered in California. Its net worth ratio was 13.11% at Q2 2026, in the well capitalized band.
Also written as LBS Financial CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68460
- Headquarters
- Westminster, CA
- Established
- 1935
- Total assets, Q2 2026
- $2.21B
- Assets vs Q2 2025
- +5.0%
- Members, Q2 2026
- 134,234
- Net worth ratio, Q2 2026
- 13.11%
- Latest call report
- Q2 2026, NCUA 5300 · LBS Financial Credit Union call report
- Asset rank in state
- 32nd of 238 in California
- Routing number
- 322276855
- Branches
- 8
It has 1,744 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 0.03 percentage points from 13.08% on June 30, 2025. New vehicle loans are its largest loan category, $382.1M of $1.17B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.61% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.11% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in California
Frequently asked about LBS Financial Credit Union
How big is LBS Financial Credit Union?
At Q2 2026 it reported total assets of $2.21B and 134,234 members.
Where is LBS Financial Credit Union headquartered?
It is headquartered in Westminster, CA, United States.
When was LBS Financial Credit Union founded?
It was established in 1935, per NCUA records.
Is LBS Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68460): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates LBS Financial Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is LBS Financial Credit Union well capitalized?
Its net worth ratio was 13.11% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is LBS Financial Credit Union's delinquency ratio?
Its delinquency ratio was 0.61% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is LBS Financial Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 61.55% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Westminster, CA 92683
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 68460
- RSSD ID
- 935072
- Members
- 134,234
- Potential members
- 1,415,174
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.11% | 10.89% | 79th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.64% | 0.89% | 29th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 4.87% | 8.07% | 22nd bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.89% | 3.45% | 20th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 65.08% | 70.59% | 69th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.68% | 1.68% | 50th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.61% | 0.68% | 58th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.57% | 5.12% | 19th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 61.55% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.21B total assets against $2.10B; $1.91B total shares and deposits against $1.82B; $1.17B total loans against $1.11B.
$289.6M net worth against $275.2M.
13.11% net worth ratio against 13.08%.
61.55% loan-to-share ratio against 61.23%.
0.61% delinquency ratio against 0.46%.
0.64% return on assets against 0.42%; 4.87% return on equity against 3.19%.
2.89% net interest margin against 2.52%.
134,234 members against 135,978.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.11% | 0.64% | 0.61% | 61.55% |
| March 31, 2026 | 13.15% | 0.86% | 0.36% | 60.83% |
| December 31, 2025 | 13.05% | 0.85% | 0.61% | 61.33% |
| September 30, 2025 | 13.18% | 0.70% | 0.51% | 62.00% |
| June 30, 2025 | 13.08% | 0.42% | 0.46% | 61.23% |
| March 31, 2025 | 13.12% | 0.35% | 0.40% | 58.97% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.