Federal credit union · McCook, Nebraska · NCUA charter #6466
Midwest Liberty
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $25.1M
- Total assets
- 2,577
- Members
- 10.6%
- Net-worth ratio
Midwest Liberty scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.1M; members 2,577; net-worth ratio 10.56%; health rank #3,349 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,349 of 4,374 health · 2025Q4Midwest Liberty · health 74/100 · $25.1M · 2025Q4
Call Report peers
Midwest Liberty in the assets neighbourhood
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Midwest Liberty vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Midwest Liberty sits in 70-74 with 317 others.
74 23rd percentile higher than 23% 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 Midwest Liberty
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +16.28 pp (76.08% vs 59.80%).
- Largest lag: Net Worth Ratio at 10.56% vs peer 14.86% (-4.30 pp).
Nebraska standing for Midwest Liberty
- Health composite ranks #38 of 50 among scored Nebraska credit unions.
- By total assets, Midwest Liberty is #31 of 50 in Nebraska.
- Nebraska membership ordinal: #28 of 50.
- One place up in Nebraska, U.P. Connection (#37) scores 75/100, 1 point higher; one place down, COBALT (#39) ties at 74/100.
Midwest Liberty: 2025Q4 → 2026Q1
Midwest Liberty: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $25.1M (2025Q4) to $25.5M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.55% → 10.56%).
At 10.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Midwest Liberty gives up 26 points in total. Return on Assets costs the most, 12.6 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.8 pts
- Return on Assets 2.4 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.5 pts
Midwest Liberty vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.56% | -4.30 pp |
| Delinquency Rate | 1.56% | +0.41 pp |
| Return on Assets | -0.24% | -0.94 pp |
| Member Growth | 1.90% | - |
| Loan-to-Share Ratio | 76.08% | +16.28 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Midwest Liberty filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.5M | - |
| 2025Q4 | $25.1M | 2,577 |
| 2024Q4 | $24.4M | 2,529 |
| 2023Q4 | $24.6M | 2,530 |
Credit Union Details
- Charter Number
- 6466
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- McCook
- Data Quarter
- 2025Q4
Branch Location
Midwest Liberty operates a single office in McCook, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Midwest Liberty Federal Credit Union (Main Office) | McCook, 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.
Midwest Liberty nationwide neighbourhoods
Similar total assets
Using this data
- Midwest Liberty ranks #3,349 of 4,374 nationally on financial health and #38 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHADRON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHADRON
Frequently Asked Questions
Is Midwest Liberty financially healthy?
Midwest Liberty has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,349 of 4,374 nationally on health and #38 of 50 in Nebraska. Its net worth ratio is 10.56% and its delinquency rate 1.56%.
How does Midwest Liberty compare to other credit unions?
Midwest Liberty scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (76.08% vs 59.80%). Its widest shortfall is net worth ratio (10.56% vs 14.86%).
How can I join Midwest Liberty?
Midwest Liberty 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 Midwest Liberty directly for the exact boundaries and application steps.
Is my money safe at Midwest Liberty?
Midwest Liberty 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. Midwest Liberty's net worth ratio of 10.56% 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.