Federal credit union · Jersey City, New Jersey · NCUA charter #7184
Liberty Savings
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $132.1M
- Total assets
- 18,085
- Members
- 11.7%
- Net-worth ratio
Liberty Savings scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $132.1M; members 18,085; net-worth ratio 11.65%; health rank #3,535 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,535 of 4,374 health · 2025Q4Liberty Savings · health 71/100 · $132.1M · 2025Q4
- RANK 71/100
- PHOTO 11.7%
- BOOK 2.44%
- CHARTER -0.12%
- NCUSIF $132.1M
- CAMELS 18,085
- HEALTH #3,535/4,374
- NW Texoma Educators
- DELQ 7184
Call Report peers
Liberty Savings in the assets neighbourhood
Liberty Savings's $132.1M assets sit next to Texoma Educators ($132.1M) 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 Savings 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
71 18th percentile higher than 18% 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 Savings - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7184, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Liberty Savings
- Loan-to-Share Ratio trails the peer set - 59.08% here, 72.20% peer average (-13.12 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Liberty Savings in New Jersey
- In New Jersey, health place is #73 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #22 of 127.
- Membership ranks #14 of 127 among New Jersey CUs with a reported count (18,085 members).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Liberty Savings: 2025Q4 → 2026Q1
Liberty Savings: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $132.1M (2025Q4) to $135.5M (2026Q1).
- Net-worth ratio shifted -0.44 pp (12.09% → 11.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.7 pts
- Return on Assets 3.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.65% | -0.46 pp |
| Delinquency Rate | 2.44% | +1.55 pp |
| Return on Assets | -0.12% | -0.75 pp |
| Member Growth | 7.28% | - |
| Loan-to-Share Ratio | 59.08% | -13.12 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Liberty Savings filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $135.5M | - |
| 2025Q4 | $132.1M | 18,085 |
| 2024Q4 | $120.2M | 16,857 |
| 2023Q4 | $126.5M | 16,893 |
Credit Union Details
- Charter Number
- 7184
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Jersey City
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Liberty Savings runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Liberty Savings FCU (Main Office) | Jersey City, NJ |
| Liberty Savings FCU City Line | Bayonne, NJ |
| Novartis FCU | East Hanover, NJ |
| Iron Bound | Newark, NJ |
| Liberty Savings FCU Union City Office | Union City, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Liberty Savings
Cross-state asset and health neighbours for Liberty Savings - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($132.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Liberty Savings ranks #3,535 of 4,374 nationally on financial health and #73 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Healthcare Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Healthcare Employees
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 Savings financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - Liberty Savings's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,535 of 4,374; by total assets it ranks #1,589 of 4,374 nationally (same basis as /rankings/largest); and #22 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.65% net worth ratio and 2.44% delinquency rate are the key drivers.
How does Liberty Savings compare to other credit unions?
On PlainCU's health composite, Liberty Savings lands at 71/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Savings?
Liberty Savings 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 Savings directly for the exact boundaries and application steps.
Is my money safe at Liberty Savings?
Federal credit unions like Liberty Savings 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 Savings's net worth ratio of 11.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Liberty Savings offer compared to banks?
Credit unions like Liberty Savings 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 Savings 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.