LendingClub Corp - Asset Resilience Ratio
LendingClub Corp (LC) has an Asset Resilience Ratio of 39.87% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read LendingClub Corp (LC) financial obligations for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2012–2025)
This chart shows how LendingClub Corp's Asset Resilience Ratio has changed over time. See what is LendingClub Corp's book value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down LendingClub Corp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see LendingClub Corp market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $905.90 Million | 7.83% |
| Short-term Investments | $3.71 Billion | 32.04% |
| Total Liquid Assets | $4.61 Billion | 39.87% |
Asset Resilience Insights
- Very High Liquidity: LendingClub Corp maintains exceptional liquid asset reserves at 39.87% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
LendingClub Corp Industry Peers by Asset Resilience Ratio
Compare LendingClub Corp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for LendingClub Corp (2012–2025)
The table below shows the annual Asset Resilience Ratio data for LendingClub Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 39.87% | $4.61 Billion | $11.57 Billion | +31.02pp |
| 2024-12-31 | 8.86% | $941.52 Million | $10.63 Billion | -23.52pp |
| 2023-12-31 | 32.37% | $2.86 Billion | $8.83 Billion | +15.08pp |
| 2022-12-31 | 17.29% | $1.38 Billion | $7.98 Billion | -1.38pp |
| 2021-12-31 | 18.67% | $914.99 Million | $4.90 Billion | -17.14pp |
| 2020-12-31 | 35.81% | $667.19 Million | $1.86 Billion | +18.55pp |
| 2019-12-31 | 17.26% | $514.71 Million | $2.98 Billion | +3.03pp |
| 2018-12-31 | 14.23% | $543.44 Million | $3.82 Billion | +3.04pp |
| 2017-12-31 | 11.19% | $519.29 Million | $4.64 Billion | -3.24pp |
| 2016-12-31 | 14.43% | $802.74 Million | $5.56 Billion | +9.30pp |
| 2015-12-31 | 5.13% | $297.21 Million | $5.79 Billion | +5.11pp |
| 2014-12-31 | 0.02% | $657.00K | $3.89 Billion | +0.01pp |
| 2013-12-31 | 0.01% | $193.00K | $1.94 Billion | -- |
| 2012-12-31 | 0.00% | $0.00 | $403.33 Million | -- |
About LendingClub Corp
LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit; patient and education finance loans; and commercial loans, including small business loans. The company also provides consumer loans, such as Unsecured and un… Read more