LIBERTYONE
Charter #61604 · Arlington, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,350 sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.61% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.04% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 72.13% ranks in the 18th 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 | LIBERTYONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $177.74M | 43th pct | 44th pct |
| Members | 9,350 | 28th pct | 21th pct |
| Net worth ratio | 10.93% | 42th pct | 57th pct |
| Return on average assets | 0.43% | 32th pct | 39th pct |
| Net interest margin | 2.61% | 5th pct | 2th pct |
| Cost of funds | 0.00% | 1th pct | 3th pct |
| Loan-to-share | 81.89% | 73th pct | 54th pct |
| Delinquency 60+ days | 1.04% | 77th pct | 85th pct |
| Net charge-off ratio | 0.45% | 59th pct | 38th pct |
| Loan growth YoY | 4.53% | 85th pct | 75th pct |
| Share growth YoY | -0.29% | 8th pct | 5th pct |
| Efficiency ratio | 72.13% | 29th pct | 18th pct |
structural peer set hash: e8c7a29e7221f5f96b124c38d6faac8a… (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.