CALHOUN LIBERTY
Charter #67431 · Blountstown, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.67% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.56% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 57th — a 27-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 | CALHOUN LIBERTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $172.63M | 40th pct | 39th pct |
| Members | 9,177 | 26th pct | 28th pct |
| Net worth ratio | 11.14% | 45th pct | 51th pct |
| Return on average assets | 1.00% | 70th pct | 74th pct |
| Net interest margin | 4.67% | 93th pct | 98th pct |
| Cost of funds | 0.10% | 6th pct | 2th pct |
| Loan-to-share | 87.41% | 85th pct | 57th pct |
| Delinquency 60+ days | 0.00% | 1th pct | 0th pct |
| Net charge-off ratio | -0.56% | 0th pct | 0th pct |
| Loan growth YoY | 3.75% | 80th pct | 62th pct |
| Share growth YoY | 0.41% | 12th pct | 7th pct |
| Efficiency ratio | 82.16% | 63th pct | 59th pct |
structural peer set hash: 42cb561aa4512f077815a78dc6ccd236… (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.