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
Call Report peers
Calhoun Liberty in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Calhoun Liberty sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Florida, Community First Credit Union of Flo (#27) ties at 93/100; one place down, Blue Coast (#29) ties at 93/100.
Calhoun Liberty: 2025Q4 → 2026Q1
Calhoun Liberty: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $172.2M (2025Q4) to $172.6M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.04% → 11.14%).
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
Calhoun Liberty gives up 7 points in total. Member Growth costs the most, 7.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Calhoun Liberty financially healthy?
On its 2025Q4 NCUA 5300 filing, Calhoun Liberty scores 93/100 (Excellent), with a 11.14% net worth ratio and 0.05% of loans delinquent. It ranks #652 of 4,374 nationally on health and #28 of 109 in Florida.
How does Calhoun Liberty compare to other credit unions?
Calhoun Liberty scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.71% vs 72.20%). Its widest shortfall is net worth ratio (11.14% vs 12.11%).
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?
Calhoun Liberty is a state-chartered 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. Calhoun Liberty's net worth ratio of 11.14% 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.