Does my Lucina have a speed bane?

Your Atk is probably the boon and your Spd is most likely the bane. EDIT: yobnomekop is correct - it truly is too early to tell. As you get closer to lvl 40 you have a better chance of estimating the IVs.

There really isn't a way to tell if your unit is not level 1 or 40. The stats are determined when you pull the unit but when it gets those stats are completely random. Sometimes you will go 4-5 levels gaining 0 stats then the next 4-5 levels you will get +1 in everything. It's completely possible that you get +1 speed for 16 of those 18 levels and end up with neutral speed. Its also completely possible that you only gain 5 more points in attack and end up with an attack bane.

If you can remember her base stats it would help.
seems like a ATk up Res down to me tho.