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
Call Report peers
Liberty Savings in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Liberty Savings sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Liberty Savings
- Loan-to-Share Ratio trails the peer set - 59.08% here, 72.20% peer average (-13.12 pp).
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).
- One place up in New Jersey, Atlantic City Electric Co Emp (#72) ties at 71/100; one place down, Irco Community (#74) ties at 71/100.
Liberty Savings: 2025Q4 → 2026Q1
Liberty Savings: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $132.1M (2025Q4) to $135.5M (2026Q1).
- Net-worth ratio shifted -0.44 pp (12.09% → 11.65%).
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
Liberty Savings gives up 29 points in total. Delinquency Rate costs the most, 15.3 of its 25; Net Worth Ratio and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Liberty Savings financially healthy?
On its 2025Q4 NCUA 5300 filing, Liberty Savings scores 71/100 (Very Good), with a 11.65% net worth ratio and 2.44% of loans delinquent. It ranks #3,535 of 4,374 nationally on health and #73 of 127 in New Jersey.
How does Liberty Savings compare to other credit unions?
Liberty Savings scores 71/100, higher than 18% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (59.08% vs 72.20%).
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?
Liberty Savings 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 Savings's net worth ratio of 11.65% 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.