LIBERTY BAY
Charter #67541 · Braintree, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,692 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 14.70% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.67% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.75% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.09% ranks in the 0th 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 BAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $839.91M | 76th pct | 41th pct |
| Members | 21,692 | 4th pct | 13th pct |
| Net worth ratio | 14.70% | 92th pct | 92th pct |
| Return on average assets | 0.50% | 40th pct | 44th pct |
| Net interest margin | 2.67% | 7th pct | 20th pct |
| Cost of funds | 2.75% | 96th pct | 82th pct |
| Loan-to-share | 108.84% | 99th pct | 87th pct |
| Delinquency 60+ days | 0.09% | 1th pct | 0th pct |
| Net charge-off ratio | 0.04% | 4th pct | 11th pct |
| Loan growth YoY | 0.57% | 47th pct | 33th pct |
| Share growth YoY | 5.70% | 78th pct | 80th pct |
| Efficiency ratio | 80.09% | 58th pct | 48th pct |
structural peer set hash: d4930e846a7dedafb794ad212673aa05… (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.