LBS FINANCIAL Credit Union Profile

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LBS FINANCIAL

Charter #68460 | NCUA Region 3 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (714) 893-5111

Fax: (714) 934-3486

Founding Date: N/A

Website: http://www.lbsfcu.org

Personnel & Operations

President: Camerino, Jay

Manager: Hardeman, Sean

FT Employees: 229

PT Employees: 33

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 7

Hours: Monday through Friday 8:30AM - 7:00PM Satur

Credit Union Profile Summary

LBS FINANCIAL is a FISCU Credit Union. With a total of 135,978 members ^[1], this institution manages approximately $2,102,430,080 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13.08% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.70% ^[1].

Financial Snapshot

Total Assets ^[1]

$2,102,430,080

Total economic resources.

Total Loans ^[1]

$1,114,858,593

Total value of outstanding loans.

Total Deposits ^[1]

$1,820,728,456

Total funds deposited by members.

Members ^[1]

135,978

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

13.08%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.39%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

61.23%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 1.63%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 4.70%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -1.22%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

5505 Garden Grove Blvd

Westminster, CA, 92683

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 9 branches reported by LBS FINANCIAL (Charter #68460).

Main Office

Westminster Main Office

Type: Corporate Office

Newport-Mesa

Type: Branch Office

1401 Quail St

Newport Beach, CA 92660-2744

Phone: (714) 893-5111

Services: Member Services, ATM

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