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
Call Report peers
Liberty Bay in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Liberty Bay sits in 75-79 with 502 others.
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 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).
Massachusetts standing for Liberty Bay
- Massachusetts health ordinal: #88 of 126.
- Massachusetts assets place: #16 of 126.
- Massachusetts membership ordinal: #28 of 126.
- One place up in Massachusetts, Jeanne D'arc (#87) scores 79/100, 1 point higher; one place down, FREEDOM (#89) ties at 78/100.
Liberty Bay: 2025Q4 → 2026Q1
Liberty Bay: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $819.6M (2025Q4) to $839.9M (2026Q1).
- Net-worth ratio shifted -0.24 pp (14.94% → 14.70%).
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
Liberty Bay gives up 22 points in total. Member Growth costs the most, 10 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Liberty Bay financially healthy?
On its 2025Q4 NCUA 5300 filing, Liberty Bay scores 78/100 (Very Good), with a 14.70% net worth ratio and 0.27% of loans delinquent. It ranks #2,958 of 4,374 nationally on health and #88 of 126 in Massachusetts.
How does Liberty Bay compare to other credit unions?
Liberty Bay scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (112.52% vs 83.90%). Its widest shortfall is return on assets (0.30% vs 0.51%).
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?
Liberty Bay 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. Liberty Bay's net worth ratio of 14.70% 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.