BlastPoint's Credit Union Scorecard
LIBERTY FIRST
Charter #63757 · NE
LIBERTY FIRST has 8 strengths but faces 2 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 4.9% in tier
- + Organic Growth Leader: Top 26.6% in tier
- + ROA 1.04% above tier average
- + Net Interest Margin 0.50% above tier average
- + Share Certificate Concentration (%): Top 4.8% in tier
- + Fee Income Per Member: Top 5.5% in tier
- + Efficiency Ratio: Top 7.3% in tier
- + Net Worth Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Total Deposits: Bottom 6.1% in tier
- - Total Assets: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,222
+4.2% YoY+0.9% QoQ
|
-3.4K |
38,575
-4.8% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$515.1M
+6.2% YoY+1.5% QoQ
|
$-106.7M |
$621.7M
+0.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.1% in tier |
| Loans |
$389.6M
+1.9% YoY-0.2% QoQ
|
$-40.2M |
$429.8M
-1.8% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$437.3M
+7.2% YoY+2.6% QoQ
|
$-101.4M |
$538.7M
+0.6% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.5% in tier |
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| ROA |
1.7%
+22.6% YoY+15.4% QoQ
|
+1.0% |
0.7%
+42.9% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Top 3.0% in tier |
| NIM |
3.9%
+4.1% YoY+1.7% QoQ
|
+0.5% |
3.4%
+8.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
65.9%
-3.7% YoY-3.3% QoQ
|
-11.6% |
77.5%
-4.1% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
0.8%
-53.1% YoY-42.9% QoQ
|
-0.0 |
0.8%
-1.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
89.1%
-4.9% YoY-2.8% QoQ
|
+9.3% |
79.8%
-2.3% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$23,478
+0.4% YoY+0.4% QoQ
|
$-3K |
$26,849
+2.7% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
14.8%
+10.4% YoY-1.8% QoQ
|
-9.6% | 24.4% | 22.3% | 19.8% | 18% |
| Indirect Auto % |
0.8%
-51.8% YoY-16.3% QoQ
|
-12.9% | 13.8% | 5.6% | 7.8% | 36% |
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 (<20%). Healthy, sustainable growth model.
Concerns (0)
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)