BlastPoint's Credit Union Scorecard

LIBERTYONE

Charter #61604 · TX

100M-500M
1024 CUs in 100M-500M nationally 74 in TX

LIBERTYONE faces 6 concerns requiring attention

National Analysis

How does the industry compare?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - ROA 0.49% below tier average
  • - Delinquency rate 0.44% above tier average
  • - Share Certificate Concentration (%): Bottom 4.1% in tier
  • - Net Interest Margin (NIM): Bottom 5.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
  • Shares and deposits -0.5% year over year ($156M in shares and deposits).
  • Membership: 9,356 members, -0.3% vs a year ago.
  • Delinquency rate 1.32%.
  • Return on assets 0.38%.
  • Efficiency ratio 74.88% vs a 76.73% peer average.
  • Loan-to-share ratio 81.21% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 9,356
-0.3% YoY+0.1% QoQ
 -5.8K 15,168
-2.6% YoY
 27,284
+2.5% YoY
 34,678
+6.6% YoY
 28%
Assets $175.5M
+0.2% YoY-1.2% QoQ
 $-56.5M $232.0M
+0.7% YoY
 $429.8M
+5.9% YoY
 $593.1M
+10.2% YoY
 41%
Loans $126.4M
+0.1% YoY-2.2% QoQ
 $-19.9M $146.3M
+0.2% YoY
 $305.6M
+4.5% YoY
 $418.6M
+10.1% YoY
 51%
Deposits $155.6M
-0.5% YoY-1.4% QoQ
 $-45.1M $200.7M
+0.2% YoY
 $357.0M
+5.3% YoY
 $504.8M
+10.3% YoY
 44%

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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 0.4%
+94.6% YoY-11.7% QoQ
 -0.5% 0.9%
+12.5% YoY
 1.4%
-298.3% YoY
 1.2%
+121.4% YoY
 20%
NIM 2.6%
+12.9% YoY+0.5% QoQ
 -1.1% 3.7%
+4.5% YoY
 3.9%
+2.6% YoY
 3.8%
+2.3% YoY
 Bottom 5.0% in tier
Efficiency Ratio 74.9%
-10.1% YoY+3.8% QoQ
 -1.9% 76.7%
-0.8% YoY
 89.3%
-7.8% YoY
 83.0%
-5.3% YoY
 41%
Delinquency Rate 1.3%
+69.8% YoY+27.6% QoQ
 +0.4 0.9%
+6.6% YoY
 1.3%
+10.3% YoY
 1.3%
+2.6% YoY
 81%
Loan To Share 81.2%
+0.6% YoY-0.8% QoQ
 +9.7% 71.5%
-0.3% YoY
 70.0%
-2.3% YoY
 66.4%
-1.4% YoY
 67%
AMR $30,146
+0.0% YoY-1.8% QoQ
 +$5K $25,107
+3.2% YoY
 $17,919
+2.5% YoY
 $20,028
-0.9% YoY
 81%
CD Concentration 44.0%
+5.1% YoY+2.0% QoQ
 +19.5% 24.6% 21.6% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 6.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Credit Quality Pressure

risk
#121 of 693 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.54% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | Rank improving

Deposit Outflow

decline
#81 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.51%
(Tier: 4.24%, National: 100.69%)
worse than tier avg
Member Growth (YoY): -0.26%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally
↓ Shrinking -9 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.15%
#1 of 1024 Top 0.1% in 100M-500M tier
174
Loan-to-Member Ratio (LMR)
engagement
Value: $13,511
Peer Median: $9,434
#174 of 1024 Top 16.9% in 100M-500M tier
199
Average Member Relationship (AMR)
engagement
Value: $30,146
Peer Median: $23,006
#199 of 1024 Top 19.3% in 100M-500M tier
222
Members Per Employee (MPE)
engagement
Value: 389.833
Peer Median: 310.924
#222 of 1024 Top 21.6% in 100M-500M tier

Top Weaknesses (7 metrics)

983
Share Certificate Concentration (%)
balance_sheet
Value: 44.02%
Peer Median: 23.39%
#983 of 1024 Bottom 4.1% in 100M-500M tier
973
Net Interest Margin (NIM)
profitability
Value: 2.62%
Peer Median: 3.67%
#973 of 1024 Bottom 5.1% in 100M-500M tier
852
Deposit Growth Rate
growth
Value: -0.51%
Peer Median: 3.58%
#852 of 1024 Bottom 16.9% in 100M-500M tier
837
Asset Growth Rate
growth
Value: 0.16%
Peer Median: 4.12%
#837 of 1024 Bottom 18.4% in 100M-500M tier
829
Total Delinquency Rate (60+ days)
risk
Value: 1.32%
Peer Median: 0.71%
#829 of 1024 Bottom 19.1% in 100M-500M tier
818
Return on Assets (ROA)
profitability
Value: 0.38%
Peer Median: 0.75%
#818 of 1024 Bottom 20.2% in 100M-500M tier
814
AMR Growth Rate
growth
Value: 0.00%
Peer Median: 3.53%
#814 of 1024 Bottom 20.6% in 100M-500M tier
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