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
- DELQ 84/100
- ROA 14.0%
- ASSETS 0.52%
- MEM 1.17%
- RANK $215.8M
- PHOTO 14,501
- BOOK #2,091/4,374
- CHARTER TEXASGULF
- NCUSIF 10375
Call Report peers
1st Liberty in the assets neighbourhood
1st Liberty's $215.8M assets sit next to TEXASGULF ($215.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - 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 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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
1st Liberty Call Report trajectory
1st Liberty: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $215.8M (2025Q4) to $217.5M (2026Q1).
- Net-worth ratio shifted -0.04 pp (14.08% → 14.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for 1st Liberty - kept outside Montana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($215.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st Liberty financially healthy?
1st Liberty has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,091 of 4,374; by total assets it ranks #1,226 of 4,374 nationally (same basis as /rankings/largest); and #10 of 41 within Montana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.04% and delinquency rate of 0.52%.
How does 1st Liberty compare to other credit unions?
PlainCU's health composite puts 1st Liberty at 84/100, 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 14.04% exceeds 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.
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.