Liberty Savings

Jersey City, NJ · 1 · Charter #7184 · www.lsfcu.org/
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$132.1M
64th percentile
Members
18,085
96th percentile
Total loans
$67.5M
57th percentile
Total shares
$113.8M
65th percentile

Profitability

Return on assets
1.40%
72th percentile
Net interest margin
5.13%
97th percentile
Efficiency ratio
73.60%
17th percentile
Non-interest income ratio
28.90%
91th percentile

Capital & Risk

Net worth ratio
12.09%
48th percentile
Delinquency rate
2.44%
7th percentile
Net charge-off rate
1.59%
4th percentile
Loan-to-share
59.34%
34th percentile

Growth

Member growth YoY
7.28%
96th percentile
Asset growth YoY
9.93%
87th percentile
Loan growth YoY
1.69%
52th percentile
Share growth YoY
12.42%
92th percentile

Operations

Members / branch
3,617
61th percentile
Assets / member
$7,306
3th percentile
Field of membership penetration
7.23%
53th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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