Federal credit union · Great Falls, Montana · NCUA charter #10375
1st Liberty
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $215.8M
- Total assets
- 14,501
- Members
- 0.5%
- Net-worth ratio
1st Liberty - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10375: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
1st Liberty - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)4
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth26
- Liquidity (loan-to-share)68
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 0.53% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.53% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | 1.17% | 15% |
| Member Growth | -2.86% | 15% |
| Loan-to-Share Ratio | 45.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About 1st Liberty
Headquartered in Great Falls, Montana, 1st Liberty is a federal credit union with 14,501 members, $215.8M in total assets, and $84.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 55/100 (Fair), driven in part by a net worth ratio of 0.53% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #10375 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.52% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 45.96% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.17% on net income of $2.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.86%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Montana
Other federally-insured credit unions in Montana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is 1st Liberty financially healthy?
1st Liberty has a financial health score of 55/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 0.53% and delinquency rate of 0.52%.
How does 1st Liberty compare to other credit unions?
PlainCU's health composite puts 1st Liberty at 55/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like 1st Liberty are 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 0.53% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does 1st Liberty offer compared to banks?
Credit unions like 1st Liberty are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Liberty directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.