BlastPoint's Credit Union Scorecard

LIBERTY FIRST

Charter #63757 · NE

Community 500M-750M

167 CUs in 500M-750M nationally 2 in NE

View Community leaderboard →

LIBERTY FIRST has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 13.6% in tier
+ Organic Growth Leader: Top 13.6% in tier
+ ROA 0.89% above tier average
+ Net Interest Margin 0.48% above tier average
+ Net Worth Ratio: Top 6.0% in tier
+ Share Certificate Concentration (%): Top 7.8% in tier
+ Fee Income Per Member: Top 8.4% in tier
+ Member Growth Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.1% in tier
- Shrinking Wallet Share: Bottom 92.3% in tier
- Total Deposits: Bottom 4.2% in tier
- Total Assets: Bottom 7.2% in tier
- AMR Growth Rate: Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	35,653 +4.3% YoY+1.2% QoQ	-2.4K	38,079 -4.8% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	44%
Assets	$512.1M +2.6% YoY-0.6% QoQ	$-107.6M	$619.7M -0.2% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	Bottom 6.6% in tier
Loans	$391.5M +1.7% YoY+0.5% QoQ	$-27.8M	$419.3M -1.4% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	36%
Deposits	$425.8M +0.8% YoY-2.6% QoQ	$-113.7M	$539.5M -0.1% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	Bottom 3.6% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% +18.9% YoY-7.2% QoQ	+0.9%	0.7% +36.0% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	Top 8.4% in tier
NIM	3.9% +3.7% YoY+0.2% QoQ	+0.5%	3.5% +4.5% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	68.7% -3.2% YoY+4.3% QoQ	-9.7%	78.4% -3.7% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.5% -57.1% YoY-33.8% QoQ	-0.2	0.7% -0.9% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	43%
Loan To Share	92.0% +0.8% YoY+3.2% QoQ	+14.3%	77.7% -1.2% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	Top 13.2% in tier
AMR	$22,925 -3.0% YoY-2.4% QoQ	$-4K	$26,927 +3.1% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	31%
CD Concentration	15.9% +15.0% YoY+6.9% QoQ	-8.4%	24.3%	22.1%	19.8%	21%
Indirect Auto %	0.7% -53.3% YoY-18.7% QoQ	-13.1%	13.8%	5.5%	7.7%	34%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#34 of 352 • Top 13.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.32%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.58%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.69%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#103 of 371 • Top 13.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.32%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.69%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#104 of 238 • Bottom 92.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.97%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Liquidity Strain

risk

#155 of 183 • Bottom 10.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.95%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.67%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (9 metrics)

Net Worth Ratio

risk

Value: 14.91%

Peer Median: 10.35%

#11 of 167 Top 6.0% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.58%

Peer Median: 0.61%

#14 of 167 Top 7.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 15.86%

Peer Median: 26.29%

#14 of 167 Top 7.8% in 500M-750M tier

Fee Income Per Member

profitability

Value: $300.02

Peer Median: $178.80

#15 of 167 Top 8.4% in 500M-750M tier

Member Growth Rate

growth

Value: 4.32%

Peer Median: 1.03%

#17 of 167 Top 9.6% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.95%

Peer Median: 79.97%

#22 of 167 Top 12.6% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.95%

Peer Median: 3.48%

#26 of 167 Top 15.0% in 500M-750M tier

Efficiency Ratio

profitability

Value: 68.69%

Peer Median: 78.61%

#28 of 167 Top 16.2% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.69%

Peer Median: 10.91%

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (4 metrics)

161

Total Deposits

balance_sheet

Value: $425.80M

Peer Median: $543.36M

#161 of 167 Bottom 4.2% in 500M-750M tier

156

Total Assets

balance_sheet

Value: $512.11M

Peer Median: $619.16M

#156 of 167 Bottom 7.2% in 500M-750M tier

155

AMR Growth Rate

growth

Value: -2.97%

Peer Median: 4.03%

#155 of 167 Bottom 7.8% in 500M-750M tier

134

Deposit Growth Rate

growth

Value: 0.82%

Peer Median: 4.02%

#134 of 167 Bottom 20.4% in 500M-750M tier