BlastPoint's Credit Union Scorecard
LIBERTYONE
Charter #61604 · TX
LIBERTYONE faces 6 concerns requiring attention
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
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.30% below tier average
- - Delinquency rate 0.26% above tier average
- - Share Certificate Concentration (%): Bottom 4.3% in tier
- - Net Interest Margin (NIM): Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,350
-0.2% YoY-0.2% QoQ
|
-5.8K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$177.7M
-0.0% YoY+0.6% QoQ
|
$-54.0M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$129.3M
-1.7% YoY+0.7% QoQ
|
$-14.9M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$157.9M
-0.2% YoY+0.8% QoQ
|
$-43.3M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.4%
+176.0% YoY+58.7% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
2.6%
+15.0% YoY+6.6% QoQ
|
-1.0% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio |
72.1%
-14.3% YoY-9.4% QoQ
|
-5.9% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
1.0%
+80.1% YoY+11.4% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
81.9%
-1.5% YoY-0.0% QoQ
|
+11.5% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$30,708
-0.6% YoY+0.9% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
43.1%
+6.6% YoY+0.3% QoQ
|
+18.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)