State credit union · Arlington, Texas · NCUA charter #61604
LIBERTYONE
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $176.6M
- Total assets
- 9,366
- Members
- 10.9%
- Net-worth ratio
LIBERTYONE scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $176.6M; members 9,366; net-worth ratio 10.93%; health rank #2,137 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,137 of 4,374 health · 2025Q4LIBERTYONE · health 84/100 · $176.6M · 2025Q4
- ROA 84/100
- ASSETS 10.9%
- MEM 0.93%
- RANK 0.11%
- PHOTO $176.6M
- BOOK 9,366
- CHARTER #2,137/4,374
- NCUSIF LINCONE
- CAMELS 61604
Call Report peers
LIBERTYONE in the assets neighbourhood
LIBERTYONE's $176.6M assets sit next to LINCONE ($176.5M) 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.
LIBERTYONE 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
84 Top 50% higher than 50% 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
LIBERTYONE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61604: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
LIBERTYONE: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 81.90% vs peer 72.20% (+9.70 pp).
- Net Worth Ratio trails the peer set - 10.93% here, 12.11% peer average (-1.18 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LIBERTYONE: in-state Call Report ranks
- In Texas, health place is #194 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, LIBERTYONE is #114 of 386 in Texas.
- Texas membership ordinal: #136 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LIBERTYONE: 2025Q4 → 2026Q1
LIBERTYONE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $176.6M (2025Q4) to $177.7M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.89% → 10.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 9.1 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.93% | -1.18 pp |
| Delinquency Rate | 0.93% | +0.04 pp |
| Return on Assets | 0.11% | -0.51 pp |
| Member Growth | 0.16% | - |
| Loan-to-Share Ratio | 81.90% | +9.70 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).
LIBERTYONE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $177.7M | - |
| 2025Q4 | $176.6M | 9,366 |
| 2024Q4 | $172.4M | 9,351 |
| 2023Q4 | $166.0M | 9,206 |
Credit Union Details
- Charter Number
- 61604
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Arlington
- Data Quarter
- 2025Q4
Branch Locations (3)
LIBERTYONE operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LibertyOne Credit Union (Main Office) | Arlington, TX |
| LibertyOne Credit Union | Dallas, TX |
| LibertyOne Credit Union | Farmers Branch, 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.
LIBERTYONE nationwide neighbourhoods
Cross-state asset and health neighbours for LIBERTYONE - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($176.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- LIBERTYONE ranks #2,137 of 4,374 nationally on financial health and #194 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rio Grande Valley Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rio Grande Valley Credit Union
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 LIBERTYONE financially healthy?
LIBERTYONE has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,137 of 4,374; by total assets it ranks #1,369 of 4,374 nationally (same basis as /rankings/largest); and #114 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.93% and delinquency rate of 0.93%.
How does LIBERTYONE compare to other credit unions?
LIBERTYONE scores 84/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 LIBERTYONE?
Membership eligibility for LIBERTYONE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LIBERTYONE directly for current membership requirements and application steps.
Is my money safe at LIBERTYONE?
Federal credit unions like LIBERTYONE 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. LIBERTYONE's net worth ratio of 10.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LIBERTYONE offer compared to banks?
Credit unions like LIBERTYONE 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 LIBERTYONE 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.