LIBERTY BAY

Charter #67541 | MA

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in MA

LIBERTY BAY has 7 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.2% in tier
  • + Wallet Share Momentum: Top 11.5% in tier
  • + Net Charge-Off Rate: Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.8% in tier
  • + Average Member Relationship (AMR): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 3.4% in tier
  • - Membership Headwinds: Bottom 7.7% in tier
  • - Liquidity Strain: Bottom 7.8% in tier
  • - Flatlined Growth: Bottom 7.8% in tier
  • - Efficiency Drag: Bottom 25.1% in tier
  • - Liquidity Overhang: Bottom 28.0% in tier
  • - ROA 0.19% below tier average
  • - Efficiency ratio 7.71% above tier (higher cost structure)
  • - Member decline: -4.7% YoY
  • - Total Deposits: Bottom 1.8% in tier
  • - Total Members: Bottom 3.6% in tier
  • - First Mortgage Concentration (%): Bottom 8.0% in tier
  • - Net Interest Margin (NIM): Bottom 8.9% in tier
  • - Member Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 22,082
-4.7% YoY-0.6% QoQ
 -30.0K 52,114
-2.1% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 2.7% in tier
Assets $815.7M
+0.6% YoY+0.5% QoQ
 $-43.3M $859.0M
+0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 30th in tier
Loans $639.1M
+0.7% YoY+0.4% QoQ
 +$35.8M $603.4M
+1.0% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 54th in tier
Deposits $558.7M
+2.2% YoY+0.4% QoQ
 $-175.5M $734.2M
+0.9% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Bottom 0.9% in tier
ROA 0.5%
+62.9% YoY+8.0% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 37th in tier
NIM 2.5%
+7.7% YoY+2.8% QoQ
 -0.9% 3.4%
+9.6% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 8.0% in tier
Efficiency Ratio 82.2%
-3.6% YoY-1.0% QoQ
 +7.7% 74.5%
-3.2% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 23.2% in tier
Delinquency Rate 0.4%
-10.4% YoY+5.8% QoQ
 -0.4 0.8%
+5.0% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Bottom 22.3% in tier
Loan To Share 114.4%
-1.5% YoY-0.1% QoQ
 +31.7% 82.7%
+0.1% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 0.9% in tier
AMR $54,246
+6.4% YoY+1.0% QoQ
 +$26K $28,651
+2.5% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 4.5% in tier
CD Concentration 34.3%
+6.7% YoY-0.5% QoQ
 +9.9% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 Top 17.5% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#88 of 1006 • Top 3.2% in tier

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

Why This Signature
AMR Growth (YoY): 6.45%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#318 of 1006 • Top 11.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.45%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (6)

Stagnation Risk

risk
#57 of 550 • Bottom 3.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.52%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $54.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 34.31%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#127 of 550 • Bottom 7.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk
#61 of 258 • Bottom 7.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 114.40%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.72%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Flatlined Growth

risk
#9 of 58 • Bottom 7.8% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $815.73M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
Asset Growth (YoY): 0.65%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.52%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Efficiency Drag

risk
#444 of 521 • Bottom 25.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.23%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.20% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -4.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Liquidity Overhang

risk
#434 of 552 • Bottom 28.0% 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: 14.84%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 114.40%
(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 112 peers in tier

Top Strengths (8 metrics)

1
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.61%
#1 of 112 Top 0.0% in 750M-1B tier
1
Loan-to-Share Ratio
balance_sheet
Value: 114.40%
Peer Avg: 82.66%
#1 of 112 Top 0.0% in 750M-1B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
3
Loan-to-Member Ratio (LMR)
engagement
Value: $28,944
Peer Avg: $12,810
#3 of 112 Top 1.8% in 750M-1B tier
5
Average Member Relationship (AMR)
engagement
Value: $54,246
Peer Avg: $28,651
#5 of 112 Top 3.6% in 750M-1B tier
14
Net Worth Ratio
risk
Value: 14.84%
Peer Avg: 11.52%
#14 of 112 Top 11.6% in 750M-1B tier
26
Total Delinquency Rate (60+ days)
risk
Value: 0.41%
Peer Avg: 0.82%
#26 of 112 Top 22.3% in 750M-1B tier
28
AMR Growth Rate
growth
Value: 6.45%
Peer Avg: 4.90%
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (8 metrics)

111
Total Deposits
balance_sheet
Value: $558.71M
Peer Avg: $734.17M
#111 of 112 Bottom 1.8% in 750M-1B tier
109
Total Members
engagement
Value: 22,082
Peer Avg: 52,114
#109 of 112 Bottom 3.6% in 750M-1B tier
104
First Mortgage Concentration (%)
balance_sheet
Value: 55.56%
Peer Avg: 33.64%
#104 of 112 Bottom 8.0% in 750M-1B tier
103
Net Interest Margin (NIM)
profitability
Value: 2.47%
Peer Avg: 3.38%
#103 of 112 Bottom 8.9% in 750M-1B tier
102
Member Growth Rate
growth
Value: -4.72%
Peer Avg: 1.14%
#102 of 112 Bottom 9.8% in 750M-1B tier
87
Efficiency Ratio
profitability
Value: 82.23%
Peer Avg: 74.52%
#87 of 112 Bottom 23.2% in 750M-1B tier
86
Asset Growth Rate
growth
Value: 0.65%
Peer Avg: 4.25%
#86 of 112 Bottom 24.1% in 750M-1B tier
86
Share Certificate Concentration (%)
balance_sheet
Value: 34.31%
Peer Avg: 28.34%
#86 of 112 Bottom 24.1% in 750M-1B tier