CALHOUN LIBERTY

Charter #67431 | FL

100M-500M (1077 CUs) Micro
35 100M-500M in FL

CALHOUN LIBERTY has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 9.6% in tier
  • + Wallet Share Momentum: Top 12.3% in tier
  • + Emerging Performer: Top 16.0% in tier
  • + ROA 0.14% above tier average
  • + Net Interest Margin 0.79% above tier average

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 21.4% in tier
  • - Credit Quality Pressure: Bottom 23.5% in tier
  • - Margin Compression: Bottom 28.9% in tier
  • - Efficiency ratio 1.71% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 9,181
-0.2% YoY-0.2% QoQ
 -6.4K 15,628
-3.4% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Bottom 23.9% in tier
Assets $166.7M
+6.1% YoY+2.5% QoQ
 $-64.6M $231.3M
-0.0% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 38th in tier
Loans $122.5M
+6.6% YoY+4.6% QoQ
 $-25.3M $147.8M
-1.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 49th in tier
Deposits $144.8M
+5.7% YoY+2.7% QoQ
 $-55.5M $200.3M
-0.0% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 0.9%
-13.1% YoY-2.9% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 61st in tier
NIM 4.4%
-17.6% YoY+1.2% QoQ
 +0.8% 3.6%
+6.9% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Top 12.2% in tier
Efficiency Ratio 79.0%
+3.8% YoY+0.3% QoQ
 +1.7% 77.3%
-3.0% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 56th in tier
Delinquency Rate 0.2%
+37.4% YoY+71322.5% QoQ
 -0.7 0.9%
+7.6% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 11.0% in tier
Loan To Share 84.6%
+0.9% YoY+1.9% QoQ
 +11.9% 72.7%
-1.5% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 73rd in tier
AMR $29,111
+6.3% YoY+3.8% QoQ
 +$5K $24,363
+2.9% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Top 19.5% in tier
CD Concentration 42.3%
+3.9% YoY+5.5% QoQ
 +17.9% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 2.6%
-26.9% YoY-8.7% QoQ
 -11.4% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#266 of 1006 • Top 9.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#340 of 1006 • Top 12.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#300 of 627 • Top 16.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.93%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.17%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (3)

Growth-at-Risk

risk
#321 of 446 • Bottom 21.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.58%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#582 of 736 • Bottom 23.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Margin Compression

decline
#122 of 136 • Bottom 28.9% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.93%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.14% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $166.66M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (6 metrics)

120
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: 0.86%
#120 of 1077 Top 11.0% in 100M-500M tier
131
Net Interest Margin (NIM)
profitability
Value: 4.38%
Peer Avg: 3.58%
#131 of 1077 Top 12.1% in 100M-500M tier
174
Loan-to-Member Ratio (LMR)
engagement
Value: $13,341
Peer Avg: $10,245
#174 of 1077 Top 16.1% in 100M-500M tier
210
Average Member Relationship (AMR)
engagement
Value: $29,111
Peer Avg: $24,363
#210 of 1077 Top 19.4% in 100M-500M tier
266
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.47%
#266 of 1077 Top 24.6% in 100M-500M tier
267
AMR Growth Rate
growth
Value: 6.27%
Peer Avg: 3.64%
#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1025
Share Certificate Concentration (%)
balance_sheet
Value: 42.28%
Peer Avg: 23.61%
#1025 of 1077 Bottom 4.9% in 100M-500M tier
936
Members Per Employee (MPE)
engagement
Value: 235.410
Peer Avg: 332.881
#936 of 1077 Bottom 13.2% in 100M-500M tier
923
First Mortgage Concentration (%)
balance_sheet
Value: 49.29%
Peer Avg: 30.43%
#923 of 1077 Bottom 14.4% in 100M-500M tier
820
Total Members
engagement
Value: 9,181
Peer Avg: 15,628
#820 of 1077 Bottom 24.0% in 100M-500M tier