LendingClub Corp - Asset Resilience Ratio
LendingClub Corp (LC) has an Asset Resilience Ratio of 0.02% as of March 2026. 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. See LendingClub Corp (LC) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see LendingClub Corp balance sheet assets.
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. Explore long-term investment intensity of LendingClub Corp to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.98 Million | 0.02% |
| Total Liquid Assets | $2.98 Million | 0.02% |
Asset Resilience Insights
- Limited Liquidity: LendingClub Corp maintains only 0.02% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- 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 |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
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 | -1.43pp |
| 2024-12-31 | 41.31% | $4.39 Billion | $10.63 Billion | +8.93pp |
| 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