Federal credit union · Great Falls, Montana · NCUA charter #10375
1st Liberty
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $215.8M
- Total assets
- 14,501
- Members
- 14.0%
- Net-worth ratio
1st Liberty scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $215.8M; members 14,501; net-worth ratio 14.04%; health rank #2,091 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,091 of 4,374 health · 2025Q41st Liberty · health 84/100 · $215.8M · 2025Q4
Call Report peers
1st Liberty in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Liberty vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 1st Liberty sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st Liberty vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.93 pp (14.04% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 45.96% vs peer 72.20% (-26.24 pp).
1st Liberty in Montana
- Montana health ordinal: #26 of 41.
- By total assets, 1st Liberty is #10 of 41 in Montana.
- Membership ranks #9 of 41 among Montana CUs with a reported count (14,501 members).
- One place up in Montana, Rocky Mountain (#25) scores 85/100, 1 point higher; one place down, Montana Educators' (#27) ties at 84/100.
1st Liberty Call Report trajectory
1st Liberty: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $215.8M (2025Q4) to $217.5M (2026Q1).
- Net-worth ratio shifted -0.04 pp (14.08% → 14.04%).
This credit union's 14.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
1st Liberty gives up 16 points in total. Member Growth costs the most, 11.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 10.3 pts
1st Liberty vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.04% | +1.93 pp |
| Delinquency Rate | 0.52% | -0.37 pp |
| Return on Assets | 1.17% | +0.55 pp |
| Member Growth | -2.86% | - |
| Loan-to-Share Ratio | 45.96% | -26.24 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
1st Liberty filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $217.5M | - |
| 2025Q4 | $215.8M | 14,501 |
| 2024Q4 | $210.5M | 14,928 |
| 2023Q4 | $211.7M | 15,477 |
Credit Union Details
- Charter Number
- 10375
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Great Falls
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, 1st Liberty runs 7 offices in 5 different cities.
| Office | City |
|---|---|
| Robert H Scott Branch (Main Office) | Great Falls, MT |
| Conrad | Conrad, MT |
| Cut Bank | Cut Bank, MT |
| 10th Avenue South Branch | Great Falls, MT |
| Riverview Branch | Great Falls, MT |
| Malmstrom AFB Branch | Malmstrom AFB, MT |
| Shelby Branch | Shelby, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
Other federally-insured credit unions in Montana, closest first by peer group and asset size.
Cross-state Call Report peers for 1st Liberty
Using this data
- 1st Liberty ranks #2,091 of 4,374 nationally on financial health and #26 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BILLINGS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BILLINGS
Frequently Asked Questions
Is 1st Liberty financially healthy?
1st Liberty has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,091 of 4,374 nationally on health and #26 of 41 in Montana. Its net worth ratio is 14.04% and its delinquency rate 0.52%.
How does 1st Liberty compare to other credit unions?
1st Liberty scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.04% vs 12.11%). Its widest shortfall is loan-to-share ratio (45.96% vs 72.20%).
How can I join 1st Liberty?
1st Liberty operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 1st Liberty directly for the exact boundaries and application steps.
Is my money safe at 1st Liberty?
1st Liberty is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Liberty's net worth ratio of 14.04% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.