Federal credit union · Evansville, Indiana · NCUA charter #1682
LIBERTY
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $4.57B
- Total assets
- 260,398
- Members
- 10.7%
- Net-worth ratio
LIBERTY scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.57B; members 260,398; net-worth ratio 10.70%; health rank #1,135 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,135 of 4,374 health · 2025Q4LIBERTY · health 90/100 · $4.57B · 2025Q4
Call Report peers
LIBERTY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LIBERTY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LIBERTY sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Where LIBERTY diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 106.93% vs peer 83.90% (+23.03 pp).
- Net Worth Ratio trails the peer set - 10.70% here, 11.18% peer average (-0.48 pp).
LIBERTY in Indiana
- In Indiana, health place is #30 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #2 of 124.
- Indiana membership ordinal: #2 of 124.
- One place up in Indiana, Three Rivers (#29) ties at 90/100; one place down, Notre Dame (#31) ties at 90/100.
LIBERTY Call Report trajectory
LIBERTY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $4.57B (2025Q4) to $4.77B (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.80% → 10.70%).
10.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
LIBERTY gives up 10 points in total. Loan-to-Share Ratio costs the most, 7.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 7.7 pts
LIBERTY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.70% | -0.48 pp |
| Delinquency Rate | 0.34% | -0.53 pp |
| Return on Assets | 0.89% | +0.38 pp |
| Member Growth | 2.71% | - |
| Loan-to-Share Ratio | 106.93% | +23.03 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.77B | - |
| 2025Q4 | $4.57B | 260,398 |
| 2024Q4 | $4.22B | 253,527 |
| 2023Q4 | $3.82B | 262,608 |
Credit Union Details
- Charter Number
- 1682
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Indiana
- City
- Evansville
- Data Quarter
- 2025Q4
Branch Locations (35)
Per its most recent NCUA branch filing, LIBERTY runs 35 offices in 19 different cities across 3 states.
| Office | City |
|---|---|
| Liberty Federal Credit Union (Main Office) | Evansville, IN |
| Bowling Green | Bowling Green, KY |
| Gary Farms - Bowling Green KY | Bowling Green, KY |
| Crestwood KY | Crestwood, KY |
| Michael H Phipps Center | Evansville, IN |
| Northbrook Office | Evansville, IN |
| Burkhardt | Evansville, IN |
| Northfield | Evansville, IN |
| Downtown Evansville (Leased) | Evansville, IN |
| West Side - new location | Evansville, IN |
| 3rd Office Bldg on Main Campus | Evansville, IN |
| Fort Branch Office | Fort Branch, IN |
| Franklin-Branch Creek (Leased) | Franklin, TN |
| Franklin TN -Liberty Pike | Franklin, TN |
| Henderson Starlite | Henderson, KY |
| Hendersonville TN | Hendersonville, TN |
| Jasper Branch | Jasper, IN |
| Louisville KY North Hurstbourne Office | Louisville, KY |
| Louisville KY - St Matthews Leased Office | Louisville, KY |
| Blankenbaker - Louisville (Leased) | Louisville, KY |
| Old Henry - Louisville | Louisville, KY |
| Brownsboro (leased) - Louisville KY | Louisville, KY |
| Mt. Vernon Office | Mount Vernon, IN |
| Murfreesboro TN Office | Murfreesboro, TN |
| St Andrews Dr Rutherford Co Murfreesboro TN | Murfreesboro, TN |
| Murfreesboro-Veterans Pkwy | Murfreesboro, TN |
| Newburgh Office | Newburgh, IN |
| Southwalk Nolensville TN | Nolensville, TN |
| Owensboro KY Office-West | Owensboro, KY |
| Owensboro East | Owensboro, KY |
| New Princeton Branch | Princeton, IN |
| Spring Hill TN | Spring Hill, TN |
| Tollgate Thompsons Station TN | Thompsons Station, TN |
| Vincennes Office | Vincennes, IN |
| Washington IN Branch | Washington, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for LIBERTY
Using this data
- LIBERTY ranks #1,135 of 4,374 nationally on financial health and #30 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Indiana Members is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Indiana Members
Frequently Asked Questions
Is LIBERTY financially healthy?
LIBERTY has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,135 of 4,374 nationally on health and #30 of 124 in Indiana. Its net worth ratio is 10.70% and its delinquency rate 0.34%.
How does LIBERTY compare to other credit unions?
LIBERTY scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (106.93% vs 83.90%). Its widest shortfall is net worth ratio (10.70% vs 11.18%).
How can I join LIBERTY?
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 LIBERTY directly for the exact boundaries and application steps.
Is my money safe at LIBERTY?
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. LIBERTY's net worth ratio of 10.70% 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.