Credit union · NCUA insured
LBS Financial
A $2.2B credit union, the 241st largest of 4,329, headquartered in Westminster, CA, with 138,472 members and 7 branches in California. Best rates: CDs 4.15% and savings 0.70% APY.
LBS Financial Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#57 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About LBS Financial
LBS Financial Credit Union is focused on serving the people and community of the greater Long Beach area, having served the community for over 90 years.
- Headquarters
- 5505 Garden Grove Blvd, Westminster, CA 92683
- NCUA charter
- 68460
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Orange, Riverside, San Diego, or San Bernardino counties, or in designated cities within Los Angeles County.
Employers and groups
- Employees of participating select employer groups and qualifying organizations are eligible for membership.
Military, government and schools
- Employees of specified schools, school districts, and associated educational organizations are eligible for membership.
- Students, CSULB alumni association members, and family members of students attending CSULB, Cerritos Community College, or Long Beach City College are eligible for membership.
Family and household
- Immediate family members (parent, child, spouse/domestic partner, sibling, grandparent, grandchild, step, or adoptive relation) of existing members are eligible for membership.
Other ways
- California residents and workers who do not otherwise qualify may join LBS Financial by joining the Financial Fitness Association for an additional one-time fee of $8.00.
Cost to join
- Maintain a minimum $5 share deposit in a Share Savings account to establish and maintain membership.
- A one-time membership fee of $1 per Member is required to join.
Branches
7 branches in California
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California
7 branches
- Cerritos11239 183rd St, Cerritos, CA 90703Directions
- Lakewood4916 Bellflower Blvd, Lakewood, CA 90713Directions
- Bixby Knolls4436 Atlantic Ave, Long Beach, CA 90807Directions
- East Long Beach4341 E 10th St, Long Beach, CA 90804Directions
- Long Beach State Office6049 E 7th St, Long Beach, CA 90840Directions
- Los Altos6417 E Spring St, Long Beach, CA 90808Directions
- Marina6457 E Pacific Coast Hwy, Long Beach, CA 90803Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.11% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.61% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.75% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $62 | $88 | — |
- CapitalNet worth ratio13.11%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.61%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$62Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of LBS Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.