BlastPoint's Credit Union Scorecard
LIBERTY
Charter #1682 · IN
LIBERTY has 9 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.6% in tier
- + Organic Growth Leader: Top 29.6% in tier
- + Wallet Share Momentum: Top 44.4% in tier
- + Profitability Leader: Top 51.1% in tier
- + Credit Quality Leader: Top 54.3% 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
- - Credit Risk Growth: 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
|
64% |
| 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
|
78% |
| 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
|
67% |
| 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
|
50% |
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| 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
|
80% |
| 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
|
51% |
| 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
|
75% |
| 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
|
36% |
| CD Concentration |
43.0%
+14.9% YoY+4.8% QoQ
|
+14.1% |
29.0%
+0.7% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
Top 7.6% in tier |
| Indirect Auto % |
3.2%
-16.1% YoY-10.7% QoQ
|
-15.6% |
18.8%
-3.0% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
22% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)