BlastPoint's Credit Union Scorecard

LIBERTY

Charter #1682 · IN

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 2 in IN

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LIBERTY has 7 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 18.5% in tier
+ Organic Growth Engine: Top 32.3% in tier
+ Organic Growth Leader: Top 32.3% in tier
+ ROA 0.53% above tier average
+ Fee Income Per Member: Top 0.1% in tier
+ Net Charge-Off Rate: Top 2.6% in tier
+ Total Assets: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.9% in tier
- Credit Risk Growth: Bottom 20.2% in tier
- Credit Quality Pressure: Bottom 29.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Indiana.
Shares and deposits +11.2% year over year ($3.56B in shares and deposits).
Membership: 264,855 members, +3.6% vs a year ago.
Delinquency rate 0.45%.
Return on assets 1.46%.
Efficiency ratio 66.55% vs a 69.45% peer average.
Loan-to-share ratio 100.32% vs a 90.24% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	264,855 +3.6% YoY+1.3% QoQ	+48.3K	216,545 -9.5% YoY	23,392 +5.7% YoY	34,678 +6.6% YoY	79%
Assets	$4.8B +10.3% YoY+1.5% QoQ	+$935.8M	$3.9B -1.6% YoY	$404.4M +8.2% YoY	$593.1M +10.2% YoY	Top 7.8% in tier
Loans	$3.6B +11.2% YoY+1.3% QoQ	+$644.7M	$2.9B -1.2% YoY	$288.6M +8.1% YoY	$418.6M +10.1% YoY	Top 13.0% in tier
Deposits	$3.6B +11.2% YoY+1.6% QoQ	+$307.2M	$3.3B -2.6% YoY	$337.5M +7.0% YoY	$504.8M +10.3% YoY	65%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% +35.2% YoY+5.5% QoQ	+0.5%	0.9% +25.3% YoY	1.6% +105.9% YoY	1.2% +121.4% YoY	Top 13.0% in tier
NIM	2.4% +15.3% YoY+0.8% QoQ	-0.8%	3.2% +3.8% YoY	3.9% +3.1% YoY	3.8% +2.3% YoY	Bottom 9.1% in tier
Efficiency Ratio	66.6% -8.8% YoY-1.6% QoQ	-2.9%	69.5% -2.3% YoY	105.3% +31.6% YoY	83.0% -5.3% YoY	39%
Delinquency Rate	0.4% +41.3% YoY-5.7% QoQ	-0.4	0.8% +5.5% YoY	1.6% +32.0% YoY	1.3% +2.6% YoY	26%
Loan To Share	100.3% -0.1% YoY-0.2% QoQ	+10.1%	90.2% +0.9% YoY	68.6% +0.4% YoY	66.4% -1.4% YoY	78%
AMR	$26,959 +7.3% YoY+0.2% QoQ	$-4K	$31,018 +6.9% YoY	$18,349 +1.6% YoY	$20,028 -0.9% YoY	35%
CD Concentration	42.8% +4.2% YoY+0.2% QoQ	+13.7%	29.1%	19.4%	20.0%	Top 8.0% in tier
Indirect Auto %	4.9% +38.6% YoY+59.0% QoQ	-13.2%	18.1%	11.1%	7.7%	24%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#16 of 113 • Top 32.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.65%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 1.46%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 4.93%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Organic Growth Leader

growth

#52 of 112 • Top 32.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.65%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 4.93%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#69 of 125 • Top 18.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.30%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk

#29 of 168 • Bottom 13.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.32%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 11.18%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Credit Risk Growth

risk

#42 of 170 • Bottom 20.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.18%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk

#109 of 215 • Bottom 29.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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)

Compare against:

Comparing against 77 peers in tier

Top Strengths (12 metrics)

Fee Income Per Member

profitability

Value: $458.89

Peer Median: $211.54

#1 of 77 Top 0.1% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.47%

#3 of 77 Top 2.6% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.84B

Peer Median: $3.97B

#6 of 77 Top 6.5% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.46%

Peer Median: 0.94%

#10 of 77 Top 11.7% in 3B-5B tier

Deposit Growth Rate

growth

Value: 11.25%

Peer Median: 5.62%

#10 of 77 Top 11.7% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.58B

Peer Median: $2.91B

#10 of 77 Top 11.7% in 3B-5B tier

AMR Growth Rate

growth

Value: 7.30%

Peer Median: 3.17%

#11 of 77 Top 13.0% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 4.93%

Peer Median: 18.00%

#15 of 77 Top 18.2% in 3B-5B tier

Total Members

engagement

Value: 264,855

Peer Median: 211,695

#16 of 77 Top 19.5% in 3B-5B tier

Asset Growth Rate

growth

Value: 10.28%

Peer Median: 5.91%

#17 of 77 Top 20.8% in 3B-5B tier

Top Weaknesses (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 2.42%

Peer Median: 3.28%

#70 of 77 Bottom 10.4% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 52.49%

Peer Median: 32.92%

#67 of 77 Bottom 14.3% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 42.82%

Peer Median: 32.00%

#67 of 77 Bottom 14.3% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 294.939

Peer Median: 390.144

#67 of 77 Bottom 14.3% in 3B-5B tier