State credit union · Blountstown, Florida · NCUA charter #67431
Calhoun Liberty
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $172.2M
- Total assets
- 9,145
- Members
- 11.1%
- Net-worth ratio
Calhoun Liberty scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $172.2M; members 9,145; net-worth ratio 11.14%; health rank #652 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#652 of 4,374 health · 2025Q4Calhoun Liberty · health 93/100 · $172.2M · 2025Q4
- NW 93/100
- DELQ 11.1%
- ROA 0.05%
- ASSETS 0.70%
- MEM $172.2M
- RANK 9,145
- PHOTO #652/4,374
- BOOK PRINCETON
- CHARTER 67431
Call Report peers
Calhoun Liberty in the assets neighbourhood
Calhoun Liberty's $172.2M assets sit next to PRINCETON ($172.2M) 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.
Calhoun 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
93 Top 16% higher than 84% 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
Calhoun Liberty - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67431 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Calhoun Liberty: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 87.71% vs peer 72.20% (+15.51 pp).
- Largest lag: Net Worth Ratio at 11.14% vs peer 12.11% (-0.97 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Calhoun Liberty: in-state Call Report ranks
- Florida health ordinal: #28 of 109.
- By total assets, Calhoun Liberty is #56 of 109 in Florida.
- Membership ranks #64 of 109 among Florida CUs with a reported count (9,145 members).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Calhoun Liberty: 2025Q4 → 2026Q1
Calhoun Liberty: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $172.2M (2025Q4) to $172.6M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.04% → 11.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.14% | -0.97 pp |
| Delinquency Rate | 0.05% | -0.85 pp |
| Return on Assets | 0.70% | +0.08 pp |
| Member Growth | -0.77% | - |
| Loan-to-Share Ratio | 87.71% | +15.51 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).
Call Report history - Calhoun Liberty
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $172.6M | - |
| 2025Q4 | $172.2M | 9,145 |
| 2024Q4 | $160.0M | 9,216 |
| 2023Q4 | $123.2M | 6,354 |
Credit Union Details
- Charter Number
- 67431
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Blountstown
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Calhoun Liberty runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Blountstown South (Main Office) | Blountstown, FL |
| Blountstown | Blountstown, FL |
| Bristol Branch | Bristol, FL |
| FRECU Branch Office | Keystone Heights, FL |
| FRECU Office | Tallahassee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Calhoun Liberty, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($172.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Calhoun Liberty ranks #652 of 4,374 nationally on financial health and #28 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PINELLAS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PINELLAS
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Calhoun Liberty financially healthy?
Calhoun Liberty has a financial health score of 93/100 (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 #652 of 4,374; by total assets it ranks #1,394 of 4,374 nationally (same basis as /rankings/largest); and #56 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.14% and delinquency rate of 0.05%.
How does Calhoun Liberty compare to other credit unions?
Five weighted metrics from NCUA filings produce Calhoun Liberty's 93/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Calhoun Liberty?
Membership eligibility for Calhoun Liberty depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Calhoun Liberty directly for current membership requirements and application steps.
Is my money safe at Calhoun Liberty?
Federal credit unions like Calhoun 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. Calhoun Liberty's net worth ratio of 11.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Calhoun Liberty offer compared to banks?
Credit unions like Calhoun 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 Calhoun 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.