Federal credit union · Liberty, Texas · NCUA charter #14052
Liberty County Teachers
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $24.0M
- Total assets
- 2,592
- Members
- 16.9%
- Net-worth ratio
Liberty County Teachers scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.0M; members 2,592; net-worth ratio 16.88%; health rank #1,050 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,050 of 4,374 health · 2025Q4Liberty County Teachers · health 90/100 · $24.0M · 2025Q4
Call Report peers
Liberty County Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Liberty County Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Liberty County Teachers 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Liberty County Teachers diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +20.60 pp (80.40% vs 59.80%).
Liberty County Teachers: in-state Call Report ranks
- Health composite ranks #102 of 386 among scored Texas credit unions.
- By total assets, Liberty County Teachers is #246 of 386 in Texas.
- Member book place in Texas: #230 of 386.
- One place up in Texas, DOMINO (#101) ties at 90/100; one place down, Westex Community (#103) ties at 90/100.
Quarter path for Liberty County Teachers
Liberty County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $24.0M (2025Q4) to $23.6M (2026Q1).
- Net-worth ratio shifted +0.95 pp (15.93% → 16.88%).
16.88% 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 County Teachers gives up 10 points in total. Member Growth costs the most, 9.5 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 5.5 pts
- Loan-to-Share Ratio 14.5 pts
Liberty County Teachers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.88% | +2.02 pp |
| Delinquency Rate | 0.03% | -1.12 pp |
| Return on Assets | 2.31% | +1.61 pp |
| Member Growth | -1.97% | - |
| Loan-to-Share Ratio | 80.40% | +20.60 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Liberty County Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.6M | - |
| 2025Q4 | $24.0M | 2,592 |
| 2024Q4 | $23.3M | 2,644 |
| 2023Q4 | $23.6M | 2,732 |
Credit Union Details
- Charter Number
- 14052
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Liberty
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Liberty County Teachers.
| Office | City |
|---|---|
| Main (Main Office) | Liberty, TX |
| Records | Liberty, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Liberty County Teachers ranks #1,050 of 4,374 nationally on financial health and #102 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Grand Prairie is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Grand Prairie
Frequently Asked Questions
Is Liberty County Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Liberty County Teachers scores 90/100 (Excellent), with a 16.88% net worth ratio and 0.03% of loans delinquent. It ranks #1,050 of 4,374 nationally on health and #102 of 386 in Texas.
How does Liberty County Teachers compare to other credit unions?
Liberty County Teachers scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (80.40% vs 59.80%).
How can I join Liberty County Teachers?
Liberty County Teachers 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 County Teachers directly for the exact boundaries and application steps.
Is my money safe at Liberty County Teachers?
Liberty County Teachers 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 County Teachers's net worth ratio of 16.88% 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.