LIBERTY FIRST

Charter #63757 | NE

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in NE

LIBERTY FIRST has 5 strengths but faces 5 concerns

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
  • + 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
  • - Liquidity Overhang: Bottom 27.5% 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
 38th in tier
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
 27th in tier
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
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
 Top 18.3% in tier
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
 Top 24.3% in tier
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
 40th in tier
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
 Bottom 19.4% in tier
Indirect Auto % 1.0%
-51.5% YoY-18.3% QoQ
 -13.0% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 36th in tier

Signature Analysis

Strengths (2)

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: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 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 without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (2)

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: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Liquidity Overhang

risk
#427 of 552 • Bottom 27.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.07%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.67%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 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)

Comparing against 169 peers in tier

Top Strengths (8 metrics)

12
Share Certificate Concentration (%)
balance_sheet
Value: 15.10%
Peer Avg: 26.87%
#12 of 169 Top 6.5% in 500M-750M tier
14
Return on Assets (ROA)
profitability
Value: 1.47%
Peer Avg: 0.66%
#14 of 169 Top 7.7% in 500M-750M tier
19
Member Growth Rate
growth
Value: 4.95%
Peer Avg: 1.75%
#19 of 169 Top 10.7% in 500M-750M tier
20
Net Worth Ratio
risk
Value: 14.07%
Peer Avg: 10.94%
#20 of 169 Top 11.2% in 500M-750M tier
22
Efficiency Ratio
profitability
Value: 68.17%
Peer Avg: 78.10%
#22 of 169 Top 12.4% in 500M-750M tier
27
Fee Income Per Member
profitability
Value: $283.07
Peer Avg: $199.27
#27 of 169 Top 15.4% in 500M-750M tier
31
Net Interest Margin (NIM)
profitability
Value: 3.88%
Peer Avg: 3.43%
#31 of 169 Top 17.8% in 500M-750M tier
41
Loan-to-Share Ratio
balance_sheet
Value: 91.67%
Peer Avg: 81.02%
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (3 metrics)

165
Total Deposits
balance_sheet
Value: $426.04M
Peer Avg: $538.02M
#165 of 169 Bottom 3.0% in 500M-750M tier
164
Total Assets
balance_sheet
Value: $507.40M
Peer Avg: $622.38M
#164 of 169 Bottom 3.6% in 500M-750M tier
145
Total Delinquency Rate (60+ days)
risk
Value: 1.43%
Peer Avg: 0.80%
#145 of 169 Bottom 14.8% in 500M-750M tier