LIBERTY
Charter #1682 · Evansville, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 261,514 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.42% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.45% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.87% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.07% ranks in the 7th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.77B | 80th pct | 80th pct |
| Members | 261,514 | 80th pct | 87th pct |
| Net worth ratio | 10.70% | 49th pct | 57th pct |
| Return on average assets | 1.42% | 90th pct | 92th pct |
| Net interest margin | 2.45% | 8th pct | 10th pct |
| Cost of funds | 2.87% | 93th pct | 84th pct |
| Loan-to-share | 100.56% | 91th pct | 79th pct |
| Delinquency 60+ days | 0.47% | 35th pct | 46th pct |
| Net charge-off ratio | 0.07% | 3th pct | 7th pct |
| Loan growth YoY | 6.61% | 89th pct | 93th pct |
| Share growth YoY | 6.01% | 76th pct | 72th pct |
| Efficiency ratio | 67.67% | 32th pct | 33th pct |
structural peer set hash: 0dbe3cc4d4a6f23f73baecdfc2d9d36e… (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.