# LBS FINANCIAL
Long Beach, CA · NCUA charter 68460 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lbs-financial-68460

Who the members are: state charter, organized 1935. 138,472 members of 1,415,390 potential (9.8% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.19B |
| Members | 138,472 (-0.9% YoY) |
| Full-time staff | 229 |
| Net worth | $288.2M |
| Net worth ratio | 13.2% (p83 of band) |
| ROA (annualized) | 0.86% (p62 of band) |
| Total delinquency | 0.36% (p22 of band) |
| Net charge-offs (annualized) | 0.84% (p79 of band) |
| Loans / shares | 61% (p9 of band) |
| Cash / assets | 13.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.79% (p18 of band) |
| Operating expense / assets | 2.16% (p9 of band) |
| Vehicles % of loans | 65% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 236% (p73 of band) |
| Vehicle delinquency | 0.50% (p41 of band) |
| Vehicle NCO | 1.39% (p69 of band) |
| Repossessed % of vehicle book | 0.09% (p55 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 39% |
| Average share balance | $8,208 |
| Participations bought / yr | $14.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $19.2M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $20,560 |
| Loans granted, annualized | $378.6M |

## Participation posture (from the same filings)

Bought $14.5M and sold $0 in the latest annualized quarter; $19.2M outstanding purchased (6.7% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | auto monoline |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 3 |  | delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-22 [LBS Financial Credit Union announces new vice president of loan administration - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNanZDQ3lSWXBTS2NWZUF3SDhtb3FpNkUycUZtZFdtR1lDQmJjMEF2ZC1RVXVUY3FfQ2hUVUZaUVVud2h6cGgzMnFBZUJ5SkstdjJtbjIxT3V4S1U3bDV3Q0NUWkFLNXdsbjZrQXlvblRVY01qbk5sQW5iMG5iaS1TZ3VYZ3lkSzhUZk1OcEV0VE1UUTNGbzVObGdfNGQwZk5xYmYzcjNiX25ycWY0bUEyWXpoWWdRMDM3cXRJ?oc=5) · CUInsight
- 2026-09-06 [Cal State Bakersfield Roadrunners vs Long Beach State Beach Box Score - February 11, 2027 - The Athletic - The New York Times](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPZVhjYjJZbUI4a0hWZzFYczBVNWFlVDgzTGhVTXhCQUVpT2hDcF9xRkgtTkpQUS1iNVhLSXB1ZFRLNlFybzNiTWlNNzg4RjgxYmZGd1RmdkFTbU5Ib19YcEdvVUtuSjUtQnU5LUEzbjRWT1A1ZjFPdktnaXdmbU1nc3YtSFQtdkNfbllpWEFFdmpRczFMR3ZhREg4N2ZiaTlDSFkzVDlhV2lyNFU0NEg5RjF3a1ZlLVdkWERSZTJqMTZQYmkyRGgxdjNmT3h4RWwtRi05MnQ4YzY?oc=5) · The New York Times
- 2026-08-31 [Long Beach's Iconic Pyramid Has A New Name, For $8.5M: Report - Patch](https://news.google.com/rss/articles/CBMimAFBVV95cUxQWXZEN05rSU9sbFBqVXVQeXN0RVl0V1BvRW05VFFkNHA1Z0hxemVIeVVPVU95R1BydnVlOWQ5RW9Jcnk2Q3hHTm9Ya0F1eXlHY0s5Q0tVSTR2UkRGZFBlM0QxeUQ5SXNCUmVkbkxEVEIwR1ZNT1BRQ2h4cGM4dGNfMzFNbjROTVFLb3FJd0lzS2JYNUVfdWVlONIBsgFBVV95cUxQbERESDFiczNFWk56ZXAycC11MVRrYkpfQ2lIWHJsdzkzd1Jfc2F6VnVlWkFVeXJsR20zVWRXMmxZUjNXMEVrUEZVcGpveVNaRW9zOVpoLVVJbjBSb195a3dnY1IydlJqTFdsTmNmbjJZYWM2Y2tFa1lvQ1JBZDkySXVLOHpmZ1Yyb2FjR3dLb1Q4NlR5cU1KWUFuemdQc2pPYUdhYWhtUjhOR1MzQ0Rid3BR?oc=5) · Patch
- 2025-11-06 [CSU Trustees To Consider CSULB Pyramid Naming - Long Beach State University Athletics](https://news.google.com/rss/articles/CBMimwFBVV95cUxOT3NSSnE0UE5BWFVZNDh1aW9sNjh4cXJ2YTl0ZVI0QmVNSElXQjVKS1dMa0drQkpoNjFYNVBEVnpXd1FTZ01sRlMwZ2g5bVhuSWo5WVZOeks2YkQzUnhnOGpUdTJVQWdZMFdTMXZnSUJ0cmVZTnJheEtMMU96SFg1MTFxM3A3amw1Mzh0aTl3RlBGTlRXWlA5YlhFZw?oc=5) · Long Beach State University Athletics
- 2025-10-29 [LBS Financial Credit Union celebrates 90th anniversary - CUInsight](https://news.google.com/rss/articles/CBMimwFBVV95cUxPNTlaNXJQdlJwTU5wRjBuOW9QN0VwQ0QwSWx5YS13bDhiSGYyc2FZNmhfN0hfanRzTzNRZmFRekE5TXVjZGhDM0xHcFQtTXoyQmExdG5lbGhYSjZnNHpuQjVFa1VfRXVGQXZIX2V0WkpzR0ZiLW5QdHMwelVxdjRpeDZsb3FZbUxGeXVKaDd3cTFWeXJFbE5UZkZSWQ?oc=5) · CUInsight
- 2025-05-13 [LBS Financial Credit Union - Temenos](https://news.google.com/rss/articles/CBMic0FVX3lxTE8zQVluemt2Qkh6QU82TUwxXzlxSHNJc0t1VzNubEVCaTBucHlQZ3dHV1duY3VuUDk0UkhkZVRSOGIxY1RzYVFURWxKa1lPVTdwSjV0UTBadzV0aG5xdXFTdFFIc1NCLXp4ZU1td1NnOUpyUW8?oc=5) · Temenos
- 2026-01-02 [LBS Financial Credit Union makes holiday donation to Long Beach Fire Department's “Spark of Love” Toy Drive - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNRkpWZ19FRXJIQThSVHdHYVRWLXVUSXZfS0VNaHR1Mm92VkRYVWF0a1JJeVlkOXEtQjh4LXBISmlZMklsQ2FmWFpZNFdzdkpoOUYyRk5pQnBXQXNiM21sdWVKempzNWpHSlRxZzF2SS1ySldRM193c1RoLXg5alZfbDZXbFQ5enkwcG9JWGhWT25lbXVYWXZ1UGczUkhtRUpFN21SUFI1MzBKS3BVUjJCR2E1R1ZRTGJPXzlPS3h6SjByYnBOaUZPU3Y3ZkRGdjRQS210VWlqMjRwZVdCR2c?oc=5) · CUInsight
- 2026-04-13 [At Day at The Beach, admitted students find representation, resources and reassurance - California State University, Long Beach](https://news.google.com/rss/articles/CBMiugFBVV95cUxOelNuSGZzVmdQeUxtZmhKemdCR1lQQzM4OXdaZFBjV3phOV81WkpxVG94OFkteVZ2QktOYXpJQUhYbnJJY0RTMjg0VFhPWXNiNERwbE5pZHM4aW1LcTVYd05KbHdmNFlSaG92Rkp5eGpSOWtRRWZxdHByVmY3Y0otM2I1MExiMEh3d1h3X0YzSkd1OENBMklUN2tFOFhDbEVQRXlUbWRoRV9HbkNhS2JyWEJrS1BWWGg2VEE?oc=5) · California State University, Long Beach

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68460 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "68460", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68460
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide