LIBERTY SAVINGS
Charter #7184 · Jersey City, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 17,859 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.21% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 4.94% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.02% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.94% sits at the 89th percentile of structural peers — worth a closer look.
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 SAVINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $135.53M | 23th pct | 57th pct |
| Members | 17,859 | 69th pct | 80th pct |
| Net worth ratio | 11.65% | 53th pct | 56th pct |
| Return on average assets | -0.21% | 5th pct | 15th pct |
| Net interest margin | 4.94% | 96th pct | 92th pct |
| Cost of funds | 0.94% | 36th pct | 48th pct |
| Loan-to-share | 55.65% | 19th pct | 44th pct |
| Delinquency 60+ days | 2.02% | 95th pct | 89th pct |
| Net charge-off ratio | 1.94% | 98th pct | 89th pct |
| Loan growth YoY | -2.69% | 19th pct | 26th pct |
| Share growth YoY | 3.25% | 47th pct | 67th pct |
| Efficiency ratio | 101.26% | 97th pct | 87th pct |
structural peer set hash: 531f3d8e5e0fb17d9553bcc5eb7426b2… (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.