BlastPoint's Credit Union Scorecard
LIBERTY
Charter #1682 · IN
LIBERTY has 7 strengths but faces 4 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 15.0% in tier
- + Wallet Share Momentum: Top 47.5% in tier
- + Organic Growth Leader: Top 62.4% in tier
- + ROA 0.62% above tier average
- + Fee Income Per Member: Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.0% in tier
- - Credit Risk Growth: Bottom 35.6% in tier
- - Credit Quality Pressure: Bottom 71.0% in tier
- - Net Interest Margin (NIM): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
260,398
+2.7% YoY+0.8% QoQ
|
+30.0K |
230,353
-2.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$4.6B
+8.3% YoY+1.3% QoQ
|
+$628.0M |
$3.9B
+0.3% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$3.6B
+12.1% YoY+8.1% QoQ
|
+$643.1M |
$2.9B
-0.2% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 14.5% in tier |
| Deposits |
$3.3B
+10.3% YoY+1.1% QoQ
|
+$35.5M |
$3.3B
-0.3% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
1.3%
+38.1% YoY+7.4% QoQ
|
+0.6% |
0.7%
+16.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 9.2% in tier |
| NIM |
2.2%
+17.3% YoY+1.5% QoQ
|
-0.9% |
3.1%
+9.8% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
69.2%
-6.0% YoY-2.0% QoQ
|
-2.2% |
71.4%
-1.4% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.3%
+29.8% YoY+13.6% QoQ
|
-0.5 |
0.9%
+5.8% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.2% in tier |
| Loan To Share |
106.9%
+1.6% YoY+6.9% QoQ
|
+18.0% |
88.9%
-0.2% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 6.6% in tier |
| AMR |
$26,592
+8.3% YoY+3.7% QoQ
|
$-3K |
$29,682
+1.5% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
43.2%
+9.6% YoY+0.3% QoQ
|
+14.1% | 29.0% | 19.3% | 19.8% | Top 7.7% in tier |
| Indirect Auto % |
3.0%
-24.1% YoY-6.0% QoQ
|
-15.3% | 18.3% | 10.7% | 7.8% | 21% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)