BlastPoint's Credit Union Scorecard

LIBERTY

Charter #1682 · IN

Mid-Market 3B-5B

Liberty at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Liberty is one of 101 credit unions in the 2026 VentureTech card set. We also found Liberty's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Liberty

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LIBERTY
PEER · AT VENTURETECH
PEER · AT VENTURETECH
LIBERTY'S BIGGEST OPPORTUNITY

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

View Mid-Market leaderboard →

LIBERTY has 5 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
+ 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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