# LIBERTY FIRST
Lincoln, NE · NCUA charter 63757 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/liberty-first-63757

Who the members are: state charter, organized 1935, low-income designated. 35,653 members of 14,963,000 potential (0.2% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $512.1M |
| Members | 35,653 (4.3% YoY) |
| Full-time staff | 91 |
| Net worth | $76.3M |
| Net worth ratio | 14.9% (p93 of band) |
| ROA (annualized) | 1.58% (p92 of band) |
| Total delinquency | 0.54% (p45 of band) |
| Net charge-offs (annualized) | 0.22% (p25 of band) |
| Loans / shares | 92% (p84 of band) |
| Cash / assets | 19.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p85 of band) |
| Operating expense / assets | 4.15% (p77 of band) |
| Vehicles % of loans | 37% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 6% (p19 of band) |
| Vehicle delinquency | 0.39% (p33 of band) |
| Vehicle NCO | 0.31% (p19 of band) |
| Repossessed % of vehicle book | 0.05% (p52 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 16% |
| Average share balance | $6,477 |
| Participations bought / yr | $9.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $7.0M |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $17,618 |
| Loans granted, annualized | $170.7M |

## Participation posture (from the same filings)

Bought $9.7M and sold $0 in the latest annualized quarter; $7.0M outstanding purchased (9.1% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 0.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 2 |  | leaning on borrowings, net worth falling |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 5 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2019-06 | 4 |  | net worth falling |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 2 |  | delinquency 2x band |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | loans>95% of shares |
| 2020-09 | 2 | loans>95% of shares |  |
| 2020-12 | 1 |  | loans>95% of shares |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency 2x band |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | members leaving |  |
| 2022-06 | 2 |  | expense trap |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 1 | loans>95% of shares | delinquency 2x band |
| 2023-03 | 2 | delinquency 2x band, delinquency rising | loans>95% of shares |
| 2023-06 | 2 |  |  |
| 2023-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency 2x band |
| 2026-03 | 0 |  |  |

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

- 2026-07-22 [Lincoln Crime Stoppers looking for a fraud suspect and vandals in two summer cases - KOLN | Nebraska Local News, Weather, Sports | Lincoln, NE](https://news.google.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?oc=5) · KOLN | Nebraska Local News, Weather, Sports | Lincoln, NE
- 2026-08-28 [Q&A with an inspiring woman, presented by Liberty First Credit Union: Xin Zhao - Columbus Telegram](https://news.google.com/rss/articles/CBMiqwFBVV95cUxONkJiUlJ6M0xfOVViZ2JwbGYtUVJIaVNEYUJ4U2hfWGMteHJmQVZDN2IyZThTcU5jS0p1WUhSMS1SOE5xcXRnV3FPZDNmQVVYTzBXaHU3UW52RlppSDMtZ0lEMzd2cW1zdGY3Q1h6Z2pPOVQ3VFV6Q3Jjal9TdjBPdF9iN0N3VUM4YWpTYkJIU0Ezc2F0Ul9zSlh0X3h5UTN5T2E0RkY3dmtkWnM?oc=5) · Columbus Telegram
- 2026-04-27 [Q&A with an inspiring woman, presented by Liberty First Credit Union: Xin Zhao - Omaha World-Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxObEZHTEM5eThLU0picWpXdGV3UkVpdV9kR2Jna3lINEpZWU5RVGtWYWVORDNNenhsbzJVQkxjaHM0US0zSmplalVGanBtcGxpcHlJS2Z0MlpFOTFTVXF6VjN6QXoxWXAzVkhtMUQySktMb045QmppZUFMZHk0WHpMZ1BCTmM?oc=5) · Omaha World-Herald
- 2025-12-29 [WrestleTix: AEW Dynamite | Wed • Dec 31 | Liberty First Credit Union Arena at Omaha, NE - Wrestlenomics](https://news.google.com/rss/articles/CBMivwFBVV95cUxQNFd5emo4cF85bjNSSm9Fd1ZaZUx5SGZrSTY0WG41RmdCUnZHcTRYZUNsdmRyTW1aVmJyQjFUc1VCYUtFQlVuTlJsa2FvbE1MMGl5Qi1YbV9iOW5fNURWTlJzemFkRGZzWDNYTDFLdGt2cmhrUGFQbnFVWlVoenpoMGRMMGZwdVZTcnp2VWRIdmVfbEVWcFNRT1YxaFNvS3JpYTlYcjRtbnVPSXlzTGJHaWppaHlvLWpWc0s1NmtQVQ?oc=5) · Wrestlenomics
- 2026-07-03 [Up in the air: Ralston's fireworks show may be rescheduled due to possible storms - KETV](https://news.google.com/rss/articles/CBMinwFBVV95cUxNOEdTcEtqdnAxRFo5THM0M1VhanV5ZHFEUURxSm9xblUtVW95NGFKMTB1bEVEcGVvRlNtRThZajZYekFpaGE0LWZrcVZKdFl6djRpVEFvVklhZXItdklJbFFLNTZBUzlfTGd2ZU9hUkF2b2ppQkxoMGppRDFJVUxheUtJUnExeXEwbnEyMWdjS1hlODg4bHpXNl8tLWtZTE0?oc=5) · KETV
- 2026-06-08 [Ralston invites neighbors to learn about downtown redevelopment projects this Tuesday - KMTV 3 News Now Omaha](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOWnZqNHhQcUotaHR0LXVRdzlGU2draXIzMlI0N0hWcmI3OVg1S0pCbkItbXhQQ3VrYWFtNG9HQXZ6UUVTYTRJZmpIaXM5TUg5MlJJMXI2dlpvMnNtbkJ4TW9XQU1SOExxUHlpTFRSTmZHeW5kbWpqZDltM2N1U1pVZC1YZnRycW5GcFFWdFFQZHhyLUNYWGpYV05BTUpMa3hWYVhnaWo0X1dNamp5dFo1ZkNpWE9Tam9lVENFVGRScmtaOFR2Wks2aW5qcnJ3NDZQM0NNaERRRDZ2QnFlMlE?oc=5) · KMTV 3 News Now Omaha
- 2026-06-18 [Mike Burchett Memorial Golf Scramble for brain cancer research tees off in July - KOLN | Nebraska Local News, Weather, Sports | Lincoln, NE](https://news.google.com/rss/articles/CBMirAFBVV95cUxNX1o3cmVVTS1KeHRjcllKRFZjNmNTLV96TGNYUl9CTG9xQmxLOUt1MUZTbXpLQ0RGbE9nN1k0dXdtZXFhU0tlLWhfMkx1cmJGaEJqVDAxREJUY2ZRLXBzRlhPY2wzUGR1THkyOWotSk5tSDkyY1NzbVg1aVo4eFFId3d3UUdhVHZmeUhzakE3WkRqU2NWWWJSQk9CbVhXS3NlbVFSTDJpT01feTBi0gHAAUFVX3lxTE5KUUJGSTdsRmowQ0tqcjJOZzhSaVEteFRSbHlqNjJXX1o3eWdQTTl2Q3IxTlZROFBvd3ZjMkoxcEZObzdIaEZNamNxeG52TnFwMzYtS0FrdVh4UnlSOXdKLWw5VVpySjlUbXVNUzdqN3dCU3l0TVp3Z2RLM2RKWnNYR2dmdUxKSUxyZmQ4QTIzTkF4WDh2R1NLcnpQazFuTnAzRFo4NEVWSzhBdzV6UkNtTTVmdHNOVFJ5T3VPWWNMYQ?oc=5) · KOLN | Nebraska Local News, Weather, Sports | Lincoln, NE
- 2023-04-20 [Liberty First Credit Union Arena - Omaha Beef - Stadium Journey](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOam9QQmhkYUxFY0VpbkZ5VmR0UHhZMmc5MjYzc1B0UjBBSVYzZ01MTXZyWUV1M0RMdjBuRExMZEJLTGswcW1lcUctTVNiLVhSM2I0VEhzeGs5Sk9ZMUh5bXBOZVF5Ni1VTlFINWFBSUFwNHVhNWFWYS1WcDV0RDktekFZT1J5Z1gyU1JF?oc=5) · Stadium Journey

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63757 (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/13.json (key "63757", 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=63757
- 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