BlastPoint's Credit Union Scorecard
LIBERTY FIRST
Charter #63757 · NE
LIBERTY FIRST has 7 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does NE stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.4% in tier
- + Organic Growth Leader: Top 11.4% in tier
- + ROA 0.96% above tier average
- + Net Interest Margin 0.51% above tier average
- + Net Worth Ratio: Top 6.1% in tier
- + Share Certificate Concentration (%): Top 6.1% in tier
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.5% in tier
- - Shrinking Wallet Share: Bottom 91.1% in tier
- - Total Deposits: Bottom 6.1% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Nebraska.
- Shares and deposits +2.4% year over year ($437M in shares and deposits).
- Membership: 36,060 members, +4.5% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 1.77%.
- Efficiency ratio 65.57% vs a 76.56% peer average.
- Loan-to-share ratio 91.37% vs a 79.33% 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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,060
+4.5% YoY+1.1% QoQ
|
-1.8K |
37,897
-5.0% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$523.4M
+2.6% YoY+2.2% QoQ
|
$-99.0M |
$622.4M
+0.6% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.5% in tier |
| Loans |
$399.5M
+1.9% YoY+2.0% QoQ
|
$-29.0M |
$428.5M
-0.7% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$437.2M
+2.4% YoY+2.7% QoQ
|
$-102.5M |
$539.8M
+0.9% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.5% in tier |
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| ROA |
1.8%
+22.7% YoY+12.4% QoQ
|
+1.0% |
0.8%
+39.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
Top 6.1% in tier |
| NIM |
4.0%
+4.7% YoY+2.4% QoQ
|
+0.5% |
3.5%
+5.0% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
85% |
| Efficiency Ratio |
65.6%
-5.1% YoY-4.5% QoQ
|
-11.0% |
76.6%
-3.6% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
Top 12.7% in tier |
| Delinquency Rate |
0.8%
-42.2% YoY+46.5% QoQ
|
+0.0 |
0.8%
+3.1% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
91.4%
-0.5% YoY-0.6% QoQ
|
+12.0% |
79.3%
-1.4% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$23,203
-2.3% YoY+1.2% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
15.5%
+5.2% YoY-2.4% QoQ
|
-9.1% | 24.6% | 22.2% | 20.0% | 19% |
| Indirect Auto % |
0.5%
-55.6% YoY-20.1% QoQ
|
-13.1% | 13.6% | 5.2% | 7.7% | 34% |
Signature Analysis
Strengths (2)
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 (<15%). Healthy, sustainable growth model.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)