Credit Union Safety Analysis
Is LBS Financial Credit Union Safe? Westminster, California
Based on its Q2 2026 NCUA 5300 call report, LBS Financial Credit Union has a net worth ratio of 13.11%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.61%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, LBS Financial Credit Union's net worth ratio is 13.11%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.11%
- Delinquency ratio (60+ days) (Q2 2026): 0.61%
- Return on assets (Q2 2026): 0.64%
- Loan-to-share ratio (Q2 2026): 61.55%
LBS Financial Credit Union (NCUA charter 68460, established 1935) reported $2.21B in assets and 134,234 members for Q2 2026 from Westminster, California. It ranks 32 of 238 credit unions in California by total assets. Total assets grew 5.0% from $2.10B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.15% for Q1 2026; 13.08% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.36% for Q1 2026; 0.46% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.86% for Q1 2026; 0.42% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 60.83% for Q1 2026; 61.23% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $382.1M
- Used vehicle loans: $377.8M
- 1- to 4-family residential and other consumer real estate loans: $342.8M
- Other secured non-real estate loans and lines of credit: $38.2M
- Unsecured credit card loans: $17.8M
- Other unsecured loans and lines of credit: $15.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.21B | 13.11% | 0.61% | 0.64% | 61.55% |
| March 31, 2026 | $2.19B | 13.15% | 0.36% | 0.86% | 60.83% |
| December 31, 2025 | $2.17B | 13.05% | 0.61% | 0.85% | 61.33% |
| September 30, 2025 | $2.12B | 13.18% | 0.51% | 0.70% | 62.00% |
| June 30, 2025 | $2.10B | 13.08% | 0.46% | 0.42% | 61.23% |
| March 31, 2025 | $2.09B | 13.12% | 0.40% | 0.35% | 58.97% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
LBS Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 68460) · FFIEC NIC profile (RSSD 935072)
Frequently asked questions
Is LBS Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, LBS Financial Credit Union's net worth ratio is 13.11%, above the 7% NCUA threshold for well capitalized.
Is LBS Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. LBS Financial Credit Union is a federally insured credit union (NCUA charter 68460): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are LBS Financial Credit Union's key safety ratios?
For Q2 2026, LBS Financial Credit Union reports net worth 13.11%, delinquency 0.61%, ROA 0.64%, loan-to-share 61.55%.
What happens to my money if LBS Financial Credit Union fails?
For Q2 2026, LBS Financial Credit Union held $1.91B in shares and deposits for 134,234 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.