BlastPoint's Credit Union Scorecard

LIBERTY

Charter #1682 · IN

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 2 in IN
View Mid-Market leaderboard →

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 17.9% in tier
  • + Organic Growth Engine: Top 37.6% in tier
  • + Organic Growth Leader: Top 37.6% in tier
  • + ROA 0.66% above tier average
  • + Net Charge-Off Rate: Top 0.1% in tier
  • + Fee Income Per Member: Top 1.3% in tier
  • + Total Assets: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.7% in tier
  • - Credit Quality Pressure: Bottom 13.2% in tier
  • - Credit Risk Growth: Bottom 25.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 261,514
+3.2% YoY+0.4% QoQ
 +41.1K 220,435
-7.6% YoY
 22,524
+2.8% YoY
 33,913
+5.7% YoY
 74%
Assets $4.8B
+10.2% YoY+4.3% QoQ
 +$850.7M $3.9B
-1.5% YoY
 $399.0M
+8.5% YoY
 $578.3M
+9.0% YoY
 Top 9.0% in tier
Loans $3.5B
+9.8% YoY-1.4% QoQ
 +$635.6M $2.9B
-1.1% YoY
 $281.9M
+8.4% YoY
 $402.4M
+8.7% YoY
 Top 12.8% in tier
Deposits $3.5B
+11.5% YoY+4.9% QoQ
 +$211.3M $3.3B
-2.5% YoY
 $336.4M
+8.1% YoY
 $494.3M
+9.1% YoY
 60%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.4%
+59.1% YoY+3.7% QoQ
 +0.7% 0.7%
+10.6% YoY
 0.6%
-3.4% YoY
 0.4%
-39.2% YoY
 Top 10.3% in tier
NIM 2.4%
+19.9% YoY+9.7% QoQ
 -0.8% 3.2%
+4.6% YoY
 3.7%
-1.2% YoY
 3.8%
+4.1% YoY
 Bottom 10.3% in tier
Efficiency Ratio 67.7%
-11.1% YoY-2.3% QoQ
 -3.6% 71.3%
-2.6% YoY
 86.7%
+4.4% YoY
 84.6%
+2.8% YoY
 44%
Delinquency Rate 0.5%
+131.0% YoY+39.4% QoQ
 -0.3 0.7%
+9.2% YoY
 1.1%
+11.5% YoY
 1.2%
+3.4% YoY
 41%
Loan To Share 100.6%
-1.5% YoY-6.0% QoQ
 +12.6% 88.0%
+0.9% YoY
 67.3%
+1.1% YoY
 65.6%
-1.4% YoY
 85%
AMR $26,912
+7.3% YoY+1.2% QoQ
 $-4K $30,672
+5.5% YoY
 $18,911
+5.2% YoY
 $19,920
+1.6% YoY
 37%
CD Concentration 42.7%
+6.2% YoY-1.0% QoQ
 +13.9% 28.8% 18.9% 19.8% Top 7.8% in tier
Indirect Auto % 3.1%
-19.6% YoY+3.9% QoQ
 -15.0% 18.1% 10.4% 7.7% 21%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#23 of 115 • Top 37.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.16%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 1.39%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 3.10%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth
#62 of 116 • Top 37.6% in tier

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

Why This Signature
Member Growth (YoY): 3.16%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 3.10%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Wallet Share Momentum

growth
#68 of 125 • Top 17.9% in tier

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

Why This Signature
AMR Growth (YoY): 7.28%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk
#22 of 183 • Bottom 25.0% in tier

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

Why This Signature
Loan Growth (YoY): 9.82%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.27% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Liquidity Strain

risk
#19 of 148 • Bottom 9.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 100.56%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 9.82%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Quality Pressure

risk
#50 of 225 • Bottom 13.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.27% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 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)

Comparing against 78 peers in tier

Top Strengths (11 metrics)

1
Net Charge-Off Rate
risk
Value: 0.07%
Peer Median: 0.46%
#1 of 78 Top 0.1% in 3B-5B tier
2
Fee Income Per Member
profitability
Value: $430.86
Peer Median: $175.66
#2 of 78 Top 1.3% in 3B-5B tier
7
Total Assets
balance_sheet
Value: $4.77B
Peer Median: $3.94B
#7 of 78 Top 7.7% in 3B-5B tier
8
Return on Assets (ROA)
profitability
Value: 1.39%
Peer Median: 0.75%
#8 of 78 Top 9.0% in 3B-5B tier
10
Total Loans
balance_sheet
Value: $3.53B
Peer Median: $2.92B
#10 of 78 Top 11.5% in 3B-5B tier
11
Deposit Growth Rate
growth
Value: 11.53%
Peer Median: 5.31%
#11 of 78 Top 12.8% in 3B-5B tier
11
AMR Growth Rate
growth
Value: 7.28%
Peer Median: 2.86%
#11 of 78 Top 12.8% in 3B-5B tier
12
Loan-to-Share Ratio
balance_sheet
Value: 100.56%
Peer Median: 90.65%
#12 of 78 Top 14.1% in 3B-5B tier
12
Indirect Auto Concentration (%)
balance_sheet
Value: 3.10%
Peer Median: 18.10%
#12 of 78 Top 14.1% in 3B-5B tier
15
Asset Growth Rate
growth
Value: 10.23%
Peer Median: 5.44%
#15 of 78 Top 17.9% in 3B-5B tier

Top Weaknesses (4 metrics)

70
Net Interest Margin (NIM)
profitability
Value: 2.40%
Peer Median: 3.23%
#70 of 78 Bottom 11.5% in 3B-5B tier
69
Members Per Employee (MPE)
engagement
Value: 292.194
Peer Median: 393.414
#69 of 78 Bottom 12.8% in 3B-5B tier
68
Share Certificate Concentration (%)
balance_sheet
Value: 42.75%
Peer Median: 31.76%
#68 of 78 Bottom 14.1% in 3B-5B tier
67
First Mortgage Concentration (%)
balance_sheet
Value: 52.04%
Peer Median: 32.80%
#67 of 78 Bottom 15.4% in 3B-5B tier
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