LBS Financial Credit Union

5505 Garden Grove Blvd
Westminster, CA 92683
714.893.5111
www.lbsfcu.org

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LBS Financial Credit Union is headquartered in Long Beach and is the 30^th largest credit union in the state of California. It is also the 180^th largest credit union in the nation. It was established in 1935 and as of March of 2013, it had grown to 199 employees and 114,374 members. LBS Financial Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

5.70% 48-Month / 5.70% 60-Month CD at a California CU - $90K Min (LBS Financial) - 4/27/2007

LBS Financial Credit Union has some high rates on its Jumbo share certificates. The competitive yields range from 5.70% APY for a 60 and 48 month term to 5.20% APY for a 6 month term. The Jumbo minimum deposit is $90,000. The yields are 0.10% less for a...

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See Rates for: Checking | Savings | Money Market | CD | IRA

LBS Financial Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$750	-	Choice Checking

LBS Financial Credit Union Savings Account Rates

Apy	Min	Max	Product
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

	Apy	Min	Max	Product
	0.40%	$100k	-	Money Market

LBS Financial Credit Union CD Rates

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

LBS Financial Credit Union IRA Rates

Apy	Min	Max	Product
0.95%	$90k	-	30 Month Jumbo IRA
0.95%	$90k	-	30 Month Jumbo Roth IRA
0.90%	$50k	-	30 Month Gold IRA
0.90%	$50k	-	30 Month Gold Roth IRA
0.85%	$20k	-	30 Month Silver IRA
0.85%	$20k	-	30 Month Silver Roth IRA
0.80%	$100	-	30 Month Bronze IRA
0.80%	$90k	-	24 Month Jumbo IRA
0.80%	$90k	-	24 Month Jumbo Roth IRA
0.80%	$100	-	30 Month Bronze Roth IRA
0.75%	$50k	-	24 Month Gold IRA
0.75%	$50k	-	24 Month Gold Roth IRA
0.70%	$20k	-	24 Month Silver IRA
0.70%	$20k	-	24 Month Silver Roth IRA
0.65%	$100	-	24 Month Bronze IRA
0.65%	$90k	-	18 Month Jumbo IRA
0.65%	$90k	-	18 Month Jumbo Roth IRA
0.65%	$100	-	24 Month Bronze Roth IRA
0.60%	$50k	-	18 Month Gold IRA
0.60%	$50k	-	18 Month Gold Roth IRA
0.55%	$20k	-	18 Month Silver IRA
0.55%	$90k	-	12 Month Jumbo IRA
0.55%	$90k	-	12 Month Jumbo Roth IRA
0.55%	$20k	-	18 Month Silver Roth IRA
0.50%	$100	-	18 Month Bronze IRA
0.50%	$90k	-	6 Month Jumbo IRA
0.50%	$50k	-	12 Month Gold IRA
0.50%	$90k	-	6 Month Jumbo Roth IRA
0.50%	$50k	-	12 Month Gold Roth IRA
0.50%	$100	-	18 Month Bronze Roth IRA
0.45%	$20k	-	12 Month Silver IRA
0.45%	$50k	-	6 Month Gold IRA
0.45%	$50k	-	6 Month Gold Roth IRA
0.45%	$20k	-	12 Month Silver Roth IRA
0.40%	$100	-	12 Month Bronze IRA
0.40%	$20k	-	6 Month Silver IRA
0.40%	$20k	-	6 Month Silver Roth IRA
0.40%	$100	-	12 Month Bronze Roth IRA
0.35%	$100	-	6 Month Bronze IRA
0.35%	$100	-	6 Month Bronze Roth IRA

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

LBS FINANCIAL
NCUA #	68460
BankRate Report	View
Year Chartered	1935
Employees	199
Primary Regulator
Assets and Liabilities
Assets	$1.11 billion
Loans	$653.59 million
Deposits	$973.98 million
Equity Capital	$133.66 million
Loan Loss Allowance	$6.34 million
Unbacked Noncurrent Loans	$2.87 million
Real Estate Owned	$475,000
Historic Data - March 2012
Assets	$1.08 billion
Equity Capital	$129.20 million
Loan Loss Allowance	$8.22 million
Unbacked Noncurrent Loans	$2.72 million
Real Estate Owned	$58,000
Profit Margin - Quarterly
Net Interest Margin	1.22%
Return on Assets	0.74%
Return on Equity	6.16%
Interest Income	$9.22 million
Non-Interest Income	$1.97 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 LBS Financial Credit Union had $3.34 million in non-current loans and owned real-estate with $140 million in equity and loan loss allowances on hand to cover it. This gives LBS Financial Credit Union a Texas Ratio of 2.39% 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 held steady from 2.02% as of March 31, 2012 to 2.39% as of March 31, 2013, resulting in a negative change of 17.93%. This indicates that the balance sheet and financial strength for LBS Financial Credit Union has held steady in recent periods.
Deposit Growth
In the past year, LBS Financial Credit Union has increased its total deposits by $24.99 million, resulting in 2.63% 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.
Capitalization
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 $1.11 billion in assets with $140 million in equity, resulting in a capitalization level of 12.59%, which is excellent.