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LBS Financial

Long Beach, CA · Charter 68460

NCUA · 8 branches

Q2 2026

$2.2BAssets
$1.2BLoans
$1.9BShares
$289.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, up 36 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.61% of loans (+15 bps YoY).
  • Capital: net worth / assets of 13.11%, up 2 bps from a year ago.
  • Funding: loans stand at 61.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+36 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+47 bps YoY

Efficiency Ratio (YTD, annualized)

64.17%-656 bps YoY

Net Worth / Assets

13.11%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.49%0.57%0.86%0.74%+36 bps
Return on Equity2.92%3.68%4.34%6.51%5.67%+275 bps
Net Interest Margin2.36%2.44%2.48%2.79%2.83%+47 bps
Efficiency Ratio70.74%69.04%66.85%63.24%64.17%-656 bps
Growth
Asset Growth (YoY)1.63%4.32%6.30%4.99%5.03%+340 bps
Loan Growth (YoY)4.70%7.53%9.58%8.23%5.28%+58 bps
Share Growth (YoY)4.62%5.16%5.43%4.93%4.74%+12 bps
Asset Quality
Delinquent Loans / Loans0.46%0.51%0.61%0.36%0.61%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.09%13.19%13.05%13.15%13.11%+2 bps
Net Worth / Assets13.09%13.19%13.05%13.15%13.11%+2 bps
Liquidity & Funding
Loans / Shares61.23%62.00%61.33%60.83%61.55%+32 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps