# LIBERTY
Evansville, IN · NCUA charter 1682 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/liberty-1682

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated. 261,514 members of 364,426 potential (71.8% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.77B |
| Members | 261,514 (3.2% YoY) |
| Full-time staff | 873 |
| Net worth | $509.8M |
| Net worth ratio | 10.7% (p51 of band) |
| ROA (annualized) | 1.39% (p90 of band) |
| Total delinquency | 0.47% (p35 of band) |
| Net charge-offs (annualized) | 0.07% (p4 of band) |
| Loans / shares | 101% (p91 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 14.48% |
| Net interest margin | 2.40% (p7 of band) |
| Operating expense / assets | 3.22% (p50 of band) |
| Vehicles % of loans | 4% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 25% (p19 of band) |
| Vehicle delinquency | 0.56% (p49 of band) |
| Vehicle NCO | 0.75% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 230% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 43% |
| Average share balance | $6,804 |
| Participations bought / yr | $0 |
| Participations sold / yr | $1.32B |
| Participations outstanding | $13.6M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $29,208 |
| Loans granted, annualized | $2.74B |

## Participation posture (from the same filings)

Bought $0 and sold $1.32B in the latest annualized quarter; $13.6M outstanding purchased (2.7% of net worth), $372.5M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 11.5% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | leaning on borrowings |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | loans>95% of shares |  |
| 2017-03 | 2 |  | loans>95% of shares |
| 2017-06 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | net worth falling | loans>95% of shares |
| 2019-06 | 4 | loans>95% of shares | net worth falling |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | loans>95% of shares |
| 2021-06 | 2 |  | leaning on borrowings |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | loans>95% of shares | 3rd-party paper>100% NW |
| 2022-03 | 2 |  |  |
| 2022-06 | 5 | net worth falling, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2022-09 | 3 |  | net worth falling, 3rd-party paper>100% NW |
| 2022-12 | 2 |  | expense trap |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 4 | members leaving |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | members leaving |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-10 [Calhoun Liberty Credit Union to recognize outstanding community members - WJHG](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZUVKYmFFd3JEeXpjazRpRUJjVG01UllFSEttN3c2S2xfRlF1bktKd0FFUVVUTGJfMWo4LTd5Q2xkTzJZV2w4eHdlZXc2ZW9VNXhOUFNiRW1YOFktUXpPUXlVYkxQZ002WUZKYmJQemxnRHpCdzZ5UkpFSlNaZkxWcGttN2kyTHZzYjN1N0JJY2tKeGJJU1p1c0hKeEFvMW1od0h4QnFEbzBJQ0E?oc=5) · WJHG
- 2026-08-27 [United Heritage Credit Union branch coming to Liberty Hill - Community Impact](https://news.google.com/rss/articles/CBMiuAFBVV95cUxObjlEOFBjd2NfakgzLVZxTEZ5RHBQWGlQTEdXTE5mb1NDZ05ZZGtXTW9oVHh0dGFVOG5xQngxSDdXNzhLN2hjLVlpaVRWb0NpTThlVWU0cTdqYkRiN3Z3OVhRVGJ2cmFvc2hGTTFoa0s3ZHA5U0dPU2kteGtuZG43SFY1RE5XWHd6cGlzWHJESE5YcXdiOUxTZTh6bXhmcEFWd0dyaGRJNmtVTTh1NXhQS214VmdBMGZN?oc=5) · Community Impact
- 2025-11-04 [Q&A with Brent Joyce on Liberty Federal Credit Union making Forbes ‘Best in State’ List - Inside INdiana Business](https://news.google.com/rss/articles/CBMiywFBVV95cUxNVGNFaG9CMjRTcHRqS0xjNU9Cc21ibWRjV3lCenFpSDEteWEtOTRMTHlRM1BMM1Izbm9Eei1pa1FBZnc5YnVLNVZ2OG1Tbkp1MlhmX01MT1JWdlJYekFXeXk3US1UemlCMnY5UWpkTnhaU0V0THpiNGZaZkpjdFFMSkNQeE9BVldhbUVEaVRHMHlTVlpfVkZqcUtyeHdZODk2ZUFyT0ZqMjJYckMwU1pLVmdUT0hUN3Y2UWpDSVA1RkxrVm9MajBLNS1VNA?oc=5) · Inside INdiana Business
- 2026-04-16 [6 Best Credit Unions for Personal Loans (2026 Guide) - ConsumerAffairs](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOd1Nwa0FjdjZZaFRSazN2VTE3b1VGZ2VteU00VzB3Tml2djFIZDFmYmJkUUlzQ19rc2VvcW1IVlYxWmRLTzVQR1l4Q1EtTGJ3NjFXaHBxUW5keWVQY2pfNGYzbzEtME9OSk1SZnFoeDdRUlVya053azFPYktsbjBuTjE3NXNFYmhO?oc=5) · ConsumerAffairs
- 2026-06-29 [Q&A with an inspiring woman, presented by Liberty First Credit Union: Brooke McAlpin - Omaha World-Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWU1KUUtKbWtXaW1McF9uM0U1QU1xSmx5R2tVVVprSURzUUstXzdhenBmOVBZWGFnVWNaQ0RjUldPTkJXcEZxelByWFpWT0JPTmp4SnBlaUNuV2FXZG1NSHA4cHJ6cm9zWlI2b2I1NlZYOHFYczdacFp1RTVGVTRjZ3FUUm8?oc=5) · Omaha World-Herald
- 2024-10-31 [USI Athletics receives $10 million gift from Liberty Federal Credit Union for Screaming Eagles Arena naming rights - University of Southern Indiana | USI](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPbVZ1aGgwT3RQaFAxenEtM3dzZkRiMzBSUDRCQngtYVppT0Z6cXcxeHFHOThRX0VWbEFzMGlNblhodUZtUFFLZ0REMko1YVNKNHkxMXhlZkpHZ1hfTnJFNmhDVUtob2xFQi1FLVhVM25yOHZGOXk4RHRxaHliU003eGpWX2NUekNveFM3T21rN2FqOGE3ZWJSNmMxRlA4bE8xekZ4U3hsQkJqSUlMNDJSN2JsdXpvSlhDVmlpcV9PSEZzUS1pdTRNMl93UWVUdTBiRkcwZUhjSHYxbzVqMWZrTC1RNU5pb1JNYWNB?oc=5) · University of Southern Indiana | USI
- 2023-09-07 [Evansville-based Liberty FCU named Credit Union of the Year - Courier & Press](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOd0M2NnRZdHpFbENyX3J6VC1tVTdEQXcyT293a1J4TVVobVZpWUk3Ql9PX21vLUQxS3hmVC1hQWlHSU5MMXlUN1NJeFpxTGZpMkUzZTRwVmtWcUMxNG9BTlhIdWhHbVdMRU1HYUlXQ2lMUEFNRF9kUFpMNU9oc3A0TENLczVCbXNqN0UzZG9HakttNTBXdV9xUHV3c0J5ekRKcVYyY0o0V0NIWlh5TmZ1Ni1udmJKbmtOTTRVQWtDU1I3NTJxcWhjbWFsN1pIa0tTWkdaMG4xUm5FX0pqRkJfek5aa1dweW1YNURWeVVEWXk?oc=5) · Courier & Press
- 2022-10-05 [State of the Union - Evansville Living Magazine](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1yRGdhS0NrYjNUck5oM2YxVVV0YTVnMGhFSkp3em5MSG1CU0hhRmRrcnEtU0pRNEJaXzVPTXZid0RhSGV0Vmw3MHVfRS1oVWZfM3hMQ0VDbnlxS1Raa2xFMGN3?oc=5) · Evansville Living Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1682 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/18.json (key "1682", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1682
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide