LIBERTY COUNTY TEACHERS
Charter #14052 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
LIBERTY COUNTY TEACHERS has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Net Interest Margin 1.49% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.8% in tier
- + AMR Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,583
-2.2% YoY-2.1% QoQ
|
-42 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
61st in tier |
| Assets |
$23.6M
+1.3% YoY-1.0% QoQ
|
$-6.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
53rd in tier |
| Loans |
$16.7M
+25.2% YoY+7.9% QoQ
|
+$888K |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
64th in tier |
| Deposits |
$19.6M
-2.2% YoY-2.7% QoQ
|
$-5.9M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
52nd in tier |
| ROA |
2.2%
+0.2% YoY+13.4% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 6.1% in tier |
| NIM |
5.4%
+4.1% YoY+2.5% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 8.1% in tier |
| Efficiency Ratio |
65.1%
+2.5% YoY-2.6% QoQ
|
-16.3% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 21.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
85.1%
+28.0% YoY+10.9% QoQ
|
+23.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 16.4% in tier |
| AMR |
$14,025
+11.3% YoY+4.1% QoQ
|
$-602 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
52nd in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
48
Loan Growth Rate
growth
Value:
25.22%
Peer Avg: 59.01%
#48 of 2596
Top 1.8% in <100M tier
159
Return on Assets (ROA)
profitability
Value:
2.22%
Peer Avg: 0.68%
#159 of 2596
Top 6.1% in <100M tier
204
AMR Growth Rate
growth
Value:
11.27%
Peer Avg: 4.67%
#204 of 2596
Top 7.8% in <100M tier
209
Net Interest Margin (NIM)
profitability
Value:
5.42%
Peer Avg: 3.93%
#209 of 2596
Top 8.0% in <100M tier
423
Loan-to-Share Ratio
balance_sheet
Value:
85.11%
Peer Avg: 61.23%
#423 of 2596
Top 16.3% in <100M tier
570
Efficiency Ratio
profitability
Value:
65.10%
Peer Avg: 81.39%
#570 of 2596
Top 21.9% in <100M tier
603
Fee Income Per Member
profitability
Value:
$122.38
Peer Avg: $182.96
#603 of 2596
Top 23.2% in <100M tier
Top Weaknesses (0 metrics)
No weakness rankings available