State credit union · Lincoln, Nebraska · NCUA charter #63757
Liberty First
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $515.1M
- Total assets
- 35,222
- Members
- 14.9%
- Net-worth ratio
Liberty First scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $515.1M; members 35,222; net-worth ratio 14.91%; health rank #232 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#232 of 4,374 health · 2025Q4Liberty First · health 96/100 · $515.1M · 2025Q4
- RANK 96/100
- PHOTO 14.9%
- BOOK 0.82%
- CHARTER 1.30%
- NCUSIF $515.1M
- CAMELS 35,222
- HEALTH #232/4,374
- NW COASTLIFE
- DELQ 63757
Call Report peers
Liberty First in the assets neighbourhood
Liberty First's $515.1M assets sit next to COASTLIFE ($516.0M) 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 First 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
96 Top 7% higher than 93% 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 First - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63757. See our deposit-insurance coverage note.
Liberty First: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +5.20 pp (89.10% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Liberty First sits in Nebraska
- Nebraska health ordinal: #2 of 50.
- Nebraska assets place: #4 of 50.
- Nebraska membership ordinal: #4 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Liberty First: 2025Q4 → 2026Q1
Liberty First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $515.1M (2025Q4) to $512.1M (2026Q1).
- Net-worth ratio shifted +0.45 pp (14.46% → 14.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Liberty First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.91% | +3.73 pp |
| Delinquency Rate | 0.82% | -0.06 pp |
| Return on Assets | 1.30% | +0.79 pp |
| Member Growth | 4.23% | - |
| Loan-to-Share Ratio | 89.10% | +5.20 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).
Call Report history - Liberty First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $512.1M | - |
| 2025Q4 | $515.1M | 35,222 |
| 2024Q4 | $484.8M | 33,792 |
| 2023Q4 | $452.3M | 31,842 |
Credit Union Details
- Charter Number
- 63757
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Nebraska
- City
- Lincoln
- Data Quarter
- 2025Q4
Branch Locations (7)
Liberty First operates 7 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Lincoln, NE |
| La Vista | La Vista, NE |
| South | Lincoln, NE |
| North | Lincoln, NE |
| East | Lincoln, NE |
| Omaha | Omaha, NE |
| Seward | Seward, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group and asset size.
Cross-state Call Report peers for Liberty First
Two NCUA Call Report peer sets for Liberty First, both outside Nebraska so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($515.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Liberty First ranks #232 of 4,374 nationally on financial health and #2 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metro Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metro Cu
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 First financially healthy?
A 14.91% net worth ratio and a 0.82% delinquency rate feed into Liberty First's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #232 of 4,374; by total assets it ranks #739 of 4,374 nationally (same basis as /rankings/largest); and #4 of 50 within Nebraska. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Liberty First compare to other credit unions?
Five weighted metrics from NCUA filings produce Liberty First's 96/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 First?
Membership eligibility for Liberty First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Liberty First directly for current membership requirements and application steps.
Is my money safe at Liberty First?
Federal credit unions like Liberty First 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 First's net worth ratio of 14.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Liberty First offer compared to banks?
Credit unions like Liberty First 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 First 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.