Liberty Federal Credit Union
Total assets
$4.77B
▲ +10.2% YoY
Shares & deposits
$3.51B
▲ +11.5% YoY
Loans
$3.53B
▲ +9.8% YoY
Members
261,514
▲ +3.2% YoY
ROA (annualized)
1.39%
peers 0.71%
ROE (annualized)
12.97%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +5.1% | +5.1 pts |
| Share growth (YoY) | +11.5% | +4.9% | +6.7 pts |
| Loan growth (YoY) | +9.8% | +5.4% | +4.4 pts |
| ROA | 1.39% | 0.71% | +0.7 pts |
| ROE | 13.0% | 6.3% | +6.7 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 4401 Theater Dr, Evansville, IN, 47715
- NCUA charter #
- 1682
- RSSD ID
- 428079
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.77B | $3.51B | $3.53B | $509.8M | $16.5M | 1.39% | 2.40% | 0.47% | 261,514 |
| Q4 2025 | $4.57B | $3.35B | $3.58B | $493.3M | $60.7M | 1.33% | 2.17% | 0.34% | 260,398 |
| Q3 2025 | $4.51B | $3.31B | $3.31B | $474.8M | $41.5M | 1.23% | 2.13% | 0.30% | 258,276 |
| Q2 2025 | $4.39B | $3.20B | $3.22B | $456.8M | $23.6M | 1.08% | 2.08% | 0.32% | 255,536 |
| Q1 2025 | $4.32B | $3.15B | $3.21B | $442.5M | $9.3M | 0.86% | 1.98% | 0.21% | 253,499 |
| Q4 2024 | $4.22B | $3.03B | $3.19B | $433.2M | $40.6M | 0.96% | 1.85% | 0.26% | 253,527 |
| Q3 2024 | $4.16B | $2.97B | $3.06B | $423.3M | $29.9M | 0.96% | 1.85% | 0.27% | 254,765 |
| Q2 2024 | $4.11B | $2.94B | $3.09B | $406.0M | $12.6M | 0.61% | 1.84% | 0.24% | 256,571 |
Loan mix (Q1 2026): real estate $2.10B · commercial $1.17B · consumer $210.0M · securities $121.2M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.71% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 6.3% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.40% | 3.32% | 7th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 73.0% | 30th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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