1ST LIBERTY
Charter #10375 · Great Falls, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 14,437 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.44% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 84th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | 1ST LIBERTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $217.53M | 56th pct | 84th pct |
| Members | 14,437 | 57th pct | 82th pct |
| Net worth ratio | 14.04% | 80th pct | 61th pct |
| Return on average assets | 0.28% | 21th pct | 26th pct |
| Net interest margin | 3.34% | 32th pct | 38th pct |
| Cost of funds | 0.44% | 17th pct | 21th pct |
| Loan-to-share | 47.29% | 9th pct | 30th pct |
| Delinquency 60+ days | 0.33% | 25th pct | 38th pct |
| Net charge-off ratio | 0.25% | 37th pct | 56th pct |
| Loan growth YoY | 5.45% | 89th pct | 95th pct |
| Share growth YoY | 4.46% | 64th pct | 67th pct |
| Efficiency ratio | 84.54% | 70th pct | 59th pct |
structural peer set hash: 2a54d6d63de9eb1c32ea6c11690935bf… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.