# CALHOUN LIBERTY
Blountstown, FL · NCUA charter 67431 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/calhoun-liberty-67431

Who the members are: state charter, organized 1991, low-income designated. 9,177 members of 112,918 potential (8.1% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *ordinary*. 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 | $172.6M |
| Members | 9,177 (-1.0% YoY) |
| Full-time staff | 42 |
| Net worth | $18.8M |
| Net worth ratio | 10.9% (p38 of band) |
| ROA (annualized) | 1.00% (p69 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | -0.56% (p0 of band) |
| Loans / shares | 87% (p86 of band) |
| Cash / assets | 6.5% |
| Borrowings / assets | 3.13% |
| Net interest margin | 4.66% (p90 of band) |
| Operating expense / assets | 5.01% (p88 of band) |
| Vehicles % of loans | 25% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 14% (p45 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.16% (p27 of band) |
| Repossessed % of vehicle book | 0.01% (p65 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 42% |
| Average share balance | $7,436 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.5M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $24,025 |
| Loans granted, annualized | $29.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.5M outstanding purchased (13.2% of net worth), $786,164 sold and retained. Sold in 6 and bought in 6 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 4 | thin capital, net worth falling, margin squeeze, delinquency rising |  |
| 2019-03 | 2 |  | margin squeeze, delinquency rising |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 0 |  | thin capital |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | thin capital, delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | delinquency rising | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | charge-offs p90, members leaving |  |
| 2022-06 | 3 |  | charge-offs p90 |
| 2022-09 | 4 | charge-offs p90 |  |
| 2022-12 | 3 | net worth falling | delinquency rising, charge-offs p90 |
| 2023-03 | 1 |  | members leaving, net worth falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | net worth falling |  |
| 2023-12 | 2 | repo signal | net worth falling |
| 2024-03 | 4 | margin squeeze, delinquency rising |  |
| 2024-06 | 3 |  | margin squeeze |
| 2024-09 | 2 | expense trap | thin capital, repo signal |
| 2024-12 | 0 |  | delinquency rising, expense trap |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | margin squeeze |  |
| 2025-12 | 1 | net worth falling | margin squeeze |
| 2026-03 | 0 |  | net worth falling |

## 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
- 2026-03-17 [The League announces 12 emerging professional network LEADs - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxOX1JyV0p4d2E4T0dZaEFSRnplQmZnOFN2WTRsR0VDSEF3MWJiUUtoajU1V3V3ZlZ2V3JKc0hJTlRGODlLdUJwVWV6RHRMbVNvQkthWEJtWU5Ba3lBVW9hU0k4UXF6ejk3SzNEQzd3cVNGZ3NNU2lpRXJsSDRMQ0VHS2tJb0k3c01uTUF0bmdyX24xSUp5T0N4ZElwQUJHQlVWZEE?oc=5) · CUInsight
- 2026-08-13 [Rural health funding headed to Calhoun Liberty Hospital - WJHG](https://news.google.com/rss/articles/CBMijgFBVV95cUxNX0c4cFF5SnZoeV91elNDUmx4WXZ4U3VYaWhYWFl3Z3Z6aW9PS2RmYXhXYnFMU2ttcVgwS3ZveTdHQ05pUTU4OFdpLW5Yc1hSMlVxem01cFBZR2VtM3VWdVdxTVdUNXlPcGZtTzU2V3dHZ214UmdfVUVtcC1CYnFJVGFDQTdMWFVocFFXWVdR0gGiAUFVX3lxTFBHOG5UdjdJelNnRHFHTE9mSTVhVW92Zm5NVmFBSkNtSXc1MktxaEtXU2dlV1NOYzN3THFxcmZ0T0p6bTJ6RXhSTi1EMzNjdHNPVFowampQUVM4Qld2a2JhMFRsUU1rZEg4X2ZhbHdTaWlYYldUbGVEVWVUeHNIbWhxQTQ0NUE4V2RlbWVwcDY1b3ZXV0ZsSVBibnQtZEtJajdMdw?oc=5) · WJHG
- 2019-03-13 [GoFundMe launched to help Bristol family following electrocution deaths - Tallahassee Democrat](https://news.google.com/rss/articles/CBMiygFBVV95cUxOZVQ2Q3hoRWZiaS1VSjZHR0VzZFdUTnFrOUhONDJvMEtxb2QtYzJfU085dXptQVpzN1dOUC0ySXRkOGhPeTRyUmM1enN6VVlfVU9JN2loRmZTSENMZ3N0RWxnbmVrajdkdWNmUzVWSUVqSzFiNlJwbEtfcUFGM2k1VTl0al9Ka1l0R0JpdHBPdkVKWmhNS2U2cHV6RVNKdlE1dEpGaHdPckdHWkFHM055OElDaFdVLWxJbjdnVnppN3YyemJ1R2V3Q0tn?oc=5) · Tallahassee Democrat
- 2003-04-01 [Northwest Region - Florida Trend](https://news.google.com/rss/articles/CBMibEFVX3lxTE5mM09JcHRyeXZNSWFiTjdnZzBsSk56WmM5aktfQVVoVm5jUXNNeFI1SkwyMWxTaVF5MmtTbkdJSWFlUjZLbVJsU3ctS1p5a1loUHExcDFaYVhvZ2wzTGJPc0lxNEo0U3I4RFRIOQ?oc=5) · Florida Trend
- 2023-02-22 [Obituaries – February 22 2023 - TheCountyRecord.net](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5DWkd1TTZveEN5YlhCWTNwR3BCcVgwV29EcklPWWZpQlZVNFQ5YlBsUGMydzNveGNrWnNpWGoxejN3b05DMUN3eGZyWlhmdkgySHpXRFFJNjVQTjFUMjdCOExXNmxVa0k?oc=5) · TheCountyRecord.net
- 2006-05-29 [Sherrie Kever Obituary (2006) - Tallahassee, FL - Tallahassee Democrat - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxOOHJkOWlia0JjZnZHM3k3ajQ2elYxZ0p6dVVfeG4tX01fc0xaeDlXbGJhdnRFeFRuQjE4cy03U29DV3QyNnY4a19sdmdaUTcwVFRVWXR1SnNBelh1cURZb0otdmhFZHpFR1RfcXdDMEtSOHA3UExWODBvQXd2ZDYtVFdOUmhuRks4dEtaUkhzb2FCZw?oc=5) · Legacy obituary
- 2017-09-28 [Family of Barbara Dawson settles with Calhoun-Liberty Hospital - WJHG](https://news.google.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?oc=5) · WJHG

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67431 (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/39.json (key "67431", 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=67431
- 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