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
- PHOTO 74/100
- BOOK 10.6%
- CHARTER 1.56%
- NCUSIF -0.24%
- CAMELS $25.1M
- HEALTH 2,577
- NW #3,349/4,374
- DELQ Cecil County School Employees
- ROA 6466
Call Report peers
Midwest Liberty in the assets neighbourhood
Midwest Liberty's $25.1M assets sit next to Cecil County School Employees ($25.1M) 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.
Midwest Liberty 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
74 23rd percentile higher than 23% 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
Midwest Liberty - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6466, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Midwest Liberty: 2025Q4 → 2026Q1
Midwest Liberty: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $25.1M (2025Q4) to $25.5M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.55% → 10.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Midwest Liberty, both outside Nebraska so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 Midwest Liberty financially healthy?
Midwest Liberty scores 74/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,349 of 4,374; by total assets it ranks #2,990 of 4,374 nationally (same basis as /rankings/largest); and #31 of 50 within Nebraska. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.56% net worth ratio and a 1.56% delinquency rate.
How does Midwest Liberty compare to other credit unions?
PlainCU's health composite puts Midwest Liberty at 74/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Midwest Liberty 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. Midwest Liberty's net worth ratio of 10.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Midwest Liberty offer compared to banks?
Credit unions like Midwest Liberty 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 Midwest Liberty 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.