LIBERTY COUNTY TEACHERS
Charter #14052 · Liberty, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.88% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.67% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.37% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.60% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | LIBERTY COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.56M | 45th pct | 49th pct |
| Members | 2,602 | 66th pct | 44th pct |
| Net worth ratio | 16.88% | 71th pct | 75th pct |
| Return on average assets | 2.67% | 98th pct | 95th pct |
| Net interest margin | 5.37% | 96th pct | 79th pct |
| Cost of funds | 0.27% | 19th pct | 10th pct |
| Loan-to-share | 85.69% | 91th pct | 75th pct |
| Delinquency 60+ days | 0.54% | 47th pct | 39th pct |
| Net charge-off ratio | -0.60% | 2th pct | 5th pct |
| Loan growth YoY | -0.72% | 64th pct | 54th pct |
| Share growth YoY | -1.40% | 16th pct | 15th pct |
| Efficiency ratio | 65.39% | 18th pct | 21th pct |
structural peer set hash: d591f133899993d1749554478ff955d4… (reproducible)
Closest structural peers
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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.