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5505 Garden Grove Blvd
Westminster, CA 92683

LBS Financial Credit Union is headquartered in Westminster and is the 31st largest credit union in the state of California. It is also the 184th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 201 employees and 119,297 members. LBS Financial Credit Union's savings rates are 4X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Field of membership includes those who reside or work or have an immediate family member who lives or works in Orange or Riverside County, or in one of several cities in Los Angeles County. See site for details. Membership requires a $5 minimum deposit into your share savings account and a $1 membership fee. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 LBS Financial Credit Union had $1.24 million in non-current loans and owned real-estate with $151.85 million in equity and loan loss allowances on hand to cover it. This gives LBS Financial Credit Union a Texas Ratio of 0.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for LBS Financial Credit Union decreased dramatically from 2.39% as of March 31, 2013 to 0.81% as of March 31, 2014, resulting in a positive change of 65.85%.This indicates that the balance sheet and financial strength for LBS Financial Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, LBS Financial Credit Union has increased its total deposits by $8.7 million, resulting in 0.89% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth LBS Financial Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. LBS Financial Credit Union has $1.13 billion in assets with $151.85 million in equity, resulting in a capitalization level of 13.40%, which is excellent.

Institution Statistics

NCUA #68460
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$1.13 billion
Loans$788.44 million
Deposits$982.68 million
Equity Capital$146.76 million
Loan Loss Allowance$5.09 million
Unbacked Noncurrent Loans$1.24 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.11 billion
Equity Capital$133.66 million
Loan Loss Allowance$6.34 million
Unbacked Noncurrent Loans$1.24 million
Real Estate Owned$475,000
Profit Margin - Quarterly
Net Interest Margin1.06%
Return on Assets1.21%
Return on Equity9.31%
Interest Income$9.53 million

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LBS Financial Credit Union Savings Account Rates

2.02%--Mortgage Impound Account
2.02%--Escrow Account
2.02%--Salary Plan Accounts
0.15%$100-Regular Savings
0.15%--Special Savings Account
0.15%--IRA Savings Account
0.15%--Roth IRA Savings Account
0.15%--Special Occasion Club

LBS Financial Credit Union Money Market Rates

0.40%$100k-Money Market

LBS Financial Credit Union Checking Account Rates

0.10%$750-Choice Checking

LBS Financial Credit Union CD Rates

2.15%$90k-60 Month Jumbo Share Certificate
2.10%$50k-60 Month Gold Share Certificate
2.05%$20k-60 Month Silver Share Certificate
2.00%$2,500-60 Month Bronze Share Certificate
1.65%$90k-48 Month Jumbo Share Certificate
1.60%$50k-48 Month Gold Share Certificate
1.55%$20k-48 Month Silver Share Certificate
1.50%$2,500-48 Month Bronze Share Certificate
1.50%$90k-42 Month Jumbo Share Certificate
1.45%$50k-42 Month Gold Share Certificate
1.40%$20k-42 Month Silver Share Certificate
1.35%$2,500-42 Month Bronze Share Certificate
1.35%$90k-36 Month Jumbo Share Certificate
1.30%$50k-36 Month Gold Share Certificate
1.25%$20k-36 Month Silver Share Certificate
1.20%$2,500-36 Month Bronze Share Certificate
1.15%$90k-30 Month Jumbo Share Certificate
1.10%$50k-30 Month Gold Share Certificate
1.05%$20k-30 Month Silver Share Certificate
1.01%$2,500-30 Month Bronze Share Certificate
1.01%$90k-24 Month Jumbo Share Certificate
0.95%$50k-24 Month Gold Share Certificate
0.90%$20k-24 Month Silver Share Certificate
0.90%$90k-18 Month Jumbo Share Certificate
0.85%$2,500-24 Month Bronze Share Certificate
0.85%$50k-18 Month Gold Share Certificate
0.80%$20k-18 Month Silver Share Certificate
0.75%$2,500-18 Month Bronze Share Certificate
0.75%$90k-12 Month Jumbo Share Certificate
0.70%$50k-12 Month Gold Share Certificate
0.65%$20k-12 Month Silver Share Certificate
0.65%$90k-9 Month Jumbo Share Certificate
0.60%$2,500-12 Month Bronze Share Certificate
0.60%$50k-9 Month Gold Share Certificate
0.55%$20k-9 Month Silver Share Certificate
0.55%$90k-6 Month Jumbo Share Certificate
0.50%$2,500-9 Month Bronze Share Certificate
0.50%$50k-6 Month Gold Share Certificate
0.45%$20k-6 Month Silver Share Certificate
0.45%$90k-3 Month Jumbo Share Certificate
0.40%$2,500-6 Month Bronze Share Certificate
0.40%$50k-3 Month Gold Share Certificate
0.35%$20k-3 Month Silver Share Certificate
0.30%$1k-3 Month Bronze Share Certificate

LBS Financial Credit Union IRA Rates

1.15%$90k-30 Month Jumbo IRA
1.10%$50k-30 Month Gold IRA
1.05%$20k-30 Month Silver IRA
1.01%$100-30 Month Bronze IRA
1.01%$90k-24 Month Jumbo IRA
0.95%$50k-24 Month Gold IRA
0.90%$20k-24 Month Silver IRA
0.90%$90k-18 Month Jumbo IRA
0.85%$100-24 Month Bronze IRA
0.85%$50k-18 Month Gold IRA
0.80%$20k-18 Month Silver IRA
0.75%$100-18 Month Bronze IRA
0.75%$90k-12 Month Jumbo IRA
0.70%$50k-12 Month Gold IRA
0.65%$20k-12 Month Silver IRA
0.60%$100-12 Month Bronze IRA
0.55%$90k-6 Month Jumbo IRA
0.50%$50k-6 Month Gold IRA
0.45%$20k-6 Month Silver IRA
0.40%$100-6 Month Bronze IRA

LBS Financial Credit Union Locations
Branch Office4436 Atlantic AveLong Beach, CA 90807
Branch Office5505 Garden Grove BlvdWestminster, CA 92683
Branch Office6417 E Spring StLong Beach, CA 90808-4022
Branch Office1401 Quail StNewport Beach, CA 92660-2744
Branch Office11239 183rd StCerritos, CA 90703-5417
Branch Office4341 E 10th StLong Beach, CA 90804-5511
Branch Office4916 Bellflower BlvdLakewood, CA 90713-1810