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.
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#232 of 4,374 health · 2025Q4Liberty First · health 96/100 · $515.1M · 2025Q4
Call Report peers
Liberty First in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Liberty First sits in 95-99 with 391 others.
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: 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%).
Where Liberty First sits in Nebraska
- Nebraska health ordinal: #2 of 50.
- Nebraska assets place: #4 of 50.
- Nebraska membership ordinal: #4 of 50.
- One place up in Nebraska, OMAHA (#1) ties at 96/100; one place down, HASTINGS (#3) scores 95/100, 1 point lower.
Liberty First: 2025Q4 → 2026Q1
Liberty First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $515.1M (2025Q4) to $512.1M (2026Q1).
- Net-worth ratio shifted +0.45 pp (14.46% → 14.91%).
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
Liberty First gives up 4 points in total. Delinquency Rate costs the most, 3.2 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Liberty First financially healthy?
Liberty First has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #232 of 4,374 nationally on health and #2 of 50 in Nebraska. Its net worth ratio is 14.91% and its delinquency rate 0.82%.
How does Liberty First compare to other credit unions?
Liberty First scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.10% vs 83.90%).
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?
Liberty First 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 First's net worth ratio of 14.91% 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.