LIBERTY FIRST
Charter #63757 · Lincoln, NE · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,653 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 14.91% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.57% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.17% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.22% ranks in the 8th 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 FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $512.11M | 4th pct | 21th pct |
| Members | 35,653 | 34th pct | 20th pct |
| Net worth ratio | 14.91% | 93th pct | 89th pct |
| Return on average assets | 1.57% | 92th pct | 85th pct |
| Net interest margin | 3.94% | 81th pct | 61th pct |
| Cost of funds | 2.17% | 88th pct | 87th pct |
| Loan-to-share | 91.95% | 84th pct | 75th pct |
| Delinquency 60+ days | 0.54% | 45th pct | 34th pct |
| Net charge-off ratio | 0.22% | 25th pct | 8th pct |
| Loan growth YoY | 0.26% | 44th pct | 41th pct |
| Share growth YoY | -0.06% | 7th pct | 3th pct |
| Efficiency ratio | 68.69% | 19th pct | 21th pct |
structural peer set hash: bc4d472bac283c728b37bc3e4368c5a9… (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.