State credit union · Braintree, Massachusetts · NCUA charter #67541
Liberty Bay
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $819.6M
- Total assets
- 21,668
- Members
- 14.7%
- Net-worth ratio
Liberty Bay scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $819.6M; members 21,668; net-worth ratio 14.70%; health rank #2,958 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,958 of 4,374 health · 2025Q4Liberty Bay · health 78/100 · $819.6M · 2025Q4
- PHOTO 78/100
- BOOK 14.7%
- CHARTER 0.27%
- NCUSIF 0.30%
- CAMELS $819.6M
- HEALTH 21,668
- NW #2,958/4,374
- DELQ INTOUCH
- ROA 67541
Call Report peers
Liberty Bay in the assets neighbourhood
Liberty Bay's $819.6M assets sit next to INTOUCH ($817.9M) 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.
Liberty Bay 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
78 31st percentile higher than 31% 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
Liberty Bay - Share Insurance Coverage
Charter #67541's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Liberty Bay vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 112.52% here, 83.90% peer average (+28.62 pp).
- Largest lag: Return on Assets at 0.30% vs peer 0.51% (-0.21 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for Liberty Bay
- Massachusetts health ordinal: #88 of 126.
- Massachusetts assets place: #16 of 126.
- Massachusetts membership ordinal: #28 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Liberty Bay: 2025Q4 → 2026Q1
Liberty Bay: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $819.6M (2025Q4) to $839.9M (2026Q1).
- Net-worth ratio shifted -0.24 pp (14.94% → 14.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 6.0 pts
Call Report ratios for Liberty Bay
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.70% | +3.52 pp |
| Delinquency Rate | 0.27% | -0.61 pp |
| Return on Assets | 0.30% | -0.21 pp |
| Member Growth | -2.20% | - |
| Loan-to-Share Ratio | 112.52% | +28.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $839.9M | - |
| 2025Q4 | $819.6M | 21,668 |
| 2024Q4 | $808.1M | 22,156 |
| 2023Q4 | $786.2M | 23,832 |
Credit Union Details
- Charter Number
- 67541
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Braintree
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Liberty Bay, spread across 3 cities.
| Office | City |
|---|---|
| Liberty Bay Credit Union (Main Office) | Braintree, MA |
| Liberty Bay Credit Union | Braintree, MA |
| Liberty Bay Credit Union | Hingham, MA |
| Liberty Bay Credit Union | Scituate, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Liberty Bay
Liberty Bay's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($819.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Liberty Bay ranks #2,958 of 4,374 nationally on financial health and #88 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DIRECT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DIRECT
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 Liberty Bay financially healthy?
Liberty Bay has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,958 of 4,374; by total assets it ranks #543 of 4,374 nationally (same basis as /rankings/largest); and #16 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.70% and delinquency rate of 0.27%.
How does Liberty Bay compare to other credit unions?
78/100 is Liberty Bay's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Liberty Bay?
Membership eligibility for Liberty Bay depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Liberty Bay directly for current membership requirements and application steps.
Is my money safe at Liberty Bay?
Federal credit unions like Liberty Bay 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. Liberty Bay's net worth ratio of 14.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Liberty Bay offer compared to banks?
Credit unions like Liberty Bay 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 Liberty Bay 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.