1st Liberty

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$215.8M

93^th percentile

Members

14,501

89^th percentile

Total loans

$84.6M

67^th percentile

Total shares

$184.0M

93^th percentile

Profitability

Return on assets

0.65%

25^th percentile

Net interest margin

3.32%

32^th percentile

Efficiency ratio

77.61%

10^th percentile

Non-interest income ratio

21.38%

71^th percentile

Capital & Risk

Net worth ratio

14.08%

70^th percentile

Delinquency rate

0.52%

64^th percentile

Net charge-off rate

0.35%

47^th percentile

Loan-to-share

45.96%

15^th percentile

Growth

Member growth YoY

-2.86%

25^th percentile

Asset growth YoY

2.52%

38^th percentile

Loan growth YoY

-2.94%

26^th percentile

Share growth YoY

0.79%

29^th percentile

Operations

Members / branch

2,072

23^th percentile

Assets / member

$14,884

54^th percentile

Field of membership penetration

12.61%

63^th percentile

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