LIBERTY

Charter #1682 | IN

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in IN

LIBERTY has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.9% in tier
  • + Wallet Share Momentum: Top 7.1% in tier
  • + Organic Growth Engine: Top 12.6% in tier
  • + Organic Growth Leader: Top 29.6% in tier
  • + ROA 0.50% above tier average
  • + Fee Income Per Member: Top 1.3% in tier
  • + Net Charge-Off Rate: Top 3.9% in tier
  • + AMR Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 10.7% in tier
  • - Growth-at-Risk: Bottom 20.9% in tier
  • - Credit Quality Pressure: Bottom 23.0% in tier
  • - Net Interest Margin (NIM): Bottom 6.6% in tier
  • - First Mortgage Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 258,276
+1.4% YoY+1.1% QoQ
 +19.8K 238,465
+0.6% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 64th in tier
Assets $4.5B
+8.5% YoY+2.8% QoQ
 +$538.9M $4.0B
-0.1% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 Top 22.4% in tier
Loans $3.3B
+8.1% YoY+2.9% QoQ
 +$291.0M $3.0B
+3.3% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $3.3B
+11.4% YoY+3.3% QoQ
 $-23.0M $3.3B
+1.1% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 1.2%
+29.0% YoY+15.0% QoQ
 +0.5% 0.7%
+5.3% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Top 19.7% in tier
NIM 2.2%
+15.7% YoY+2.7% QoQ
 -1.0% 3.2%
+13.7% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 Bottom 5.3% in tier
Efficiency Ratio 70.6%
-4.1% YoY-3.2% QoQ
 -0.6% 71.3%
-0.6% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 51st in tier
Delinquency Rate 0.3%
+13.1% YoY-5.4% QoQ
 -0.5 0.8%
+15.9% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Bottom 14.5% in tier
Loan To Share 100.0%
-2.9% YoY-0.4% QoQ
 +9.1% 90.8%
+2.0% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 Top 25.0% in tier
AMR $25,632
+8.2% YoY+2.0% QoQ
 $-3K $29,088
+0.1% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 36th in tier
CD Concentration 43.0%
+14.9% YoY+4.8% QoQ
 +14.1% 29.0%
+0.8% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 Top 7.7% in tier
Indirect Auto % 3.2%
-16.1% YoY-10.7% QoQ
 -15.6% 18.8%
-2.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 Bottom 21.6% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#22 of 264 • Top 2.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 8.22%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.0K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#52 of 264 • Top 7.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.22%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#92 of 246 • Top 12.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.38%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.25%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 3.18%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth
#117 of 138 • Top 29.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.38%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk
#57 of 183 • Bottom 10.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.99%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.10%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Growth-at-Risk

risk
#117 of 161 • Bottom 20.9% in tier

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

Why This Signature
Loan Growth (YoY): 8.10%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#177 of 217 • Bottom 23.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

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 76 peers in tier

Top Strengths (10 metrics)

2
Fee Income Per Member
profitability
Value: $414.86
Peer Avg: $191.96
#2 of 76 Top 1.3% in 3B-5B tier
4
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.64%
#4 of 76 Top 3.9% in 3B-5B tier
8
AMR Growth Rate
growth
Value: 8.22%
Peer Avg: 2.07%
#8 of 76 Top 9.2% in 3B-5B tier
11
Indirect Auto Concentration (%)
balance_sheet
Value: 3.18%
Peer Avg: 20.57%
#11 of 76 Top 13.2% in 3B-5B tier
12
Deposit Growth Rate
growth
Value: 11.38%
Peer Avg: 8.84%
#12 of 76 Top 14.5% in 3B-5B tier
12
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Avg: 0.84%
#12 of 76 Top 14.5% in 3B-5B tier
15
Return on Assets (ROA)
profitability
Value: 1.25%
Peer Avg: 0.75%
#15 of 76 Top 18.4% in 3B-5B tier
17
Total Assets
balance_sheet
Value: $4.51B
Peer Avg: $3.97B
#17 of 76 Top 21.1% in 3B-5B tier
19
Asset Growth Rate
growth
Value: 8.47%
Peer Avg: 7.42%
#19 of 76 Top 23.7% in 3B-5B tier
19
Loan-to-Share Ratio
balance_sheet
Value: 99.99%
Peer Avg: 90.85%
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (4 metrics)

72
Net Interest Margin (NIM)
profitability
Value: 2.16%
Peer Avg: 3.20%
#72 of 76 Bottom 6.6% in 3B-5B tier
70
First Mortgage Concentration (%)
balance_sheet
Value: 57.34%
Peer Avg: 34.35%
#70 of 76 Bottom 9.2% in 3B-5B tier
69
Members Per Employee (MPE)
engagement
Value: 289.547
Peer Avg: 433.941
#69 of 76 Bottom 10.5% in 3B-5B tier
66
Share Certificate Concentration (%)
balance_sheet
Value: 43.05%
Peer Avg: 30.70%
#66 of 76 Bottom 14.5% in 3B-5B tier