Liberty County Teachers

Liberty, TX · 1 · Charter #14052 · www.libertycu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$24.0M
68th percentile
Members
2,592
78th percentile
Total loans
$15.9M
81th percentile
Total shares
$19.8M
68th percentile

Profitability

Return on assets
2.40%
96th percentile
Net interest margin
5.42%
90th percentile
Efficiency ratio
62.35%
59th percentile
Non-interest income ratio
19.11%
81th percentile

Capital & Risk

Net worth ratio
15.93%
56th percentile
Delinquency rate
0.03%
82th percentile
Net charge-off rate
0.48%
34th percentile
Loan-to-share
80.40%
77th percentile

Growth

Member growth YoY
-1.97%
44th percentile
Asset growth YoY
2.96%
62th percentile
Loan growth YoY
21.24%
96th percentile
Share growth YoY
-0.22%
45th percentile

Operations

Members / branch
1,296
58th percentile
Assets / member
$9,242
50th percentile
Field of membership penetration
34.56%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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