BlastPoint's Credit Union Scorecard

LIBERTY FIRST

Charter #63757 · NE

Community 500M-750M

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

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LIBERTY FIRST has 6 strengths but faces 4 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 1.7% in tier
+ Organic Growth Leader: Top 6.2% in tier
+ Profitability Leader: Top 48.4% in tier
+ ROA 0.81% above tier average
+ Net Interest Margin 0.45% above tier average
+ Share Certificate Concentration (%): Top 6.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 26.7% in tier
- Delinquency rate 0.63% above tier average
- Total Deposits: Bottom 3.0% in tier
- Total Assets: Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	34,921 +5.0% YoY+1.2% QoQ	-4.8K	39,752 -2.7% YoY	11,261 +2.9% YoY	33,089 +6.1% YoY	38%
Assets	$507.4M +6.0% YoY-0.5% QoQ	$-115.0M	$622.4M +0.3% YoY	$135.7M +6.0% YoY	$547.7M +7.8% YoY	Bottom 3.0% in tier
Loans	$390.5M +5.3% YoY-0.4% QoQ	$-45.4M	$435.9M -0.4% YoY	$98.5M +7.2% YoY	$388.7M +8.6% YoY	27%
Deposits	$426.0M +5.2% YoY-0.2% QoQ	$-112.0M	$538.0M +1.3% YoY	$114.5M +4.4% YoY	$464.6M +9.3% YoY	Bottom 2.4% in tier

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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	1.5% -1.2% YoY+2.0% QoQ	+0.8%	0.7% +33.9% YoY	0.7% +41.5% YoY	0.7% +273.4% YoY	Top 8.3% in tier
NIM	3.9% +2.1% YoY+0.5% QoQ	+0.4%	3.4% +8.6% YoY	4.0% +7.0% YoY	3.7% +5.0% YoY	82%
Efficiency Ratio	68.2% +1.3% YoY-1.4% QoQ	-9.9%	78.1% -3.4% YoY	80.8% -5.9% YoY	79.1% -3.3% YoY	Bottom 12.4% in tier
Delinquency Rate	1.4% -6.6% YoY+4.2% QoQ	+0.6	0.8% -4.9% YoY	1.1% +1.3% YoY	1.2% -0.9% YoY	Top 14.8% in tier
Loan To Share	91.7% +0.1% YoY-0.2% QoQ	+10.6%	81.0% -1.8% YoY	71.7% -1.6% YoY	68.0% -1.7% YoY	76%
AMR	$23,383 +0.3% YoY-1.5% QoQ	$-3K	$26,482 +2.6% YoY	$16,886 +0.6% YoY	$19,418 +1.3% YoY	40%
CD Concentration	15.1% +17.2% YoY+2.5% QoQ	-9.3%	24.4% +4.2% YoY	22.1% +4.2% YoY	19.6% +6.2% YoY	20%
Indirect Auto %	1.0% -51.5% YoY-18.3% QoQ	-13.0%	14.0% -5.7% YoY	5.8% -5.5% YoY	7.9% -2.9% YoY	36%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#32 of 603 • Top 1.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.95%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.47%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 1.01%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#82 of 430 • Top 6.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.95%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 1.01%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Profitability Leader

growth

#165 of 340 • Top 48.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.47%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (1)

Liquidity Strain

risk

#208 of 258 • Bottom 26.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.67%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.31%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (8 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 15.10%

Peer Avg: -

#12 of 169 Top 6.5% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.47%

Peer Avg: -

#14 of 169 Top 7.7% in 500M-750M tier

Member Growth Rate

growth

Value: 4.95%

Peer Avg: -

#19 of 169 Top 10.7% in 500M-750M tier

Net Worth Ratio

risk

Value: 14.07%

Peer Avg: -

#20 of 169 Top 11.2% in 500M-750M tier

Efficiency Ratio

profitability

Value: 68.17%

Peer Avg: -

#22 of 169 Top 12.4% in 500M-750M tier

Fee Income Per Member

profitability

Value: $283.07

Peer Avg: -

#27 of 169 Top 15.4% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.88%

Peer Avg: -

#31 of 169 Top 17.8% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.67%

Peer Avg: -

#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (3 metrics)

165

Total Deposits

balance_sheet

Value: $426.04M

Peer Avg: -

#165 of 169 Bottom 3.0% in 500M-750M tier

164

Total Assets

balance_sheet

Value: $507.40M

Peer Avg: -

#164 of 169 Bottom 3.6% in 500M-750M tier

145

Total Delinquency Rate (60+ days)

risk

Value: 1.43%

Peer Avg: -

#145 of 169 Bottom 14.8% in 500M-750M tier