TellerScore

1st Liberty Federal Credit Union (NCUA charter #10375) is based in Great Falls, Montana. Its Q2 2026 call report shows $214.2M in total assets and $182.4M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, 1st Liberty Federal Credit Union scores 84/100, which we describe as strong. That is higher than 86% of 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 11th. Its strongest component is funding & liquidity (100/100; 51% loans-to-deposits, 4% uninsured), and its lowest is earnings (40/100; 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.43%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity100/100
Loans ÷ shares: 51.3% · 4.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.09%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (82 → 84), mostly because the loan quality component improved by 8 points.

TellerScore
808590Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202490
Q4 202488
Q1 202584
Q2 202582
Q3 202583
Q4 202581
Q1 202680
Q2 202684
Net worth ratio
7.00%10.74%14.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.96%
Q3 202414.25%
Q4 202414.24%
Q1 202514.32%
Q2 202514.48%
Q3 202514.40%
Q4 202514.08%
Q1 202614.04%
Q2 202614.43%
Delinquent loans (60+ days)
0.28%0.40%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.28%
Q4 20240.39%
Q1 20250.29%
Q2 20250.50%
Q3 20250.45%
Q4 20250.52%
Q1 20260.33%
Q2 20260.28%
Return on assets
0.28%0.78%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20241.26%
Q4 20241.20%
Q1 20250.55%
Q2 20250.55%
Q3 20250.56%
Q4 20250.53%
Q1 20260.28%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$214.2M14.43%0.28%0.49%51.3%
Q1 202680$217.5M14.04%0.33%0.28%47.3%
Q4 202581$215.8M14.08%0.52%0.53%46.0%
Q3 202583$209.2M14.40%0.45%0.56%46.8%
Q2 202582$211.1M14.48%0.50%0.55%46.3%
Q1 202584$211.4M14.32%0.29%0.55%46.4%
Q4 202488$210.5M14.24%0.39%1.20%47.7%
Q3 202490$206.3M14.25%0.28%1.26%47.9%
Q2 202489$206.1M13.96%0.29%1.28%48.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.43%
82nd
Problem loans0.28%
84th
Net charge-offs0.18%
73rd
Return on assets0.49%
29th
Loans to deposits51.3%
89th
Uninsured deposits4.1%
71st
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Billings Federal Credit UnionCredit union Billings, MT64 out of 100, Moderate$216.1M11.7%0.77%vs
Southwest Montana Community Federal Credit UnionCredit union Anaconda, MT55 out of 100, Moderate$203.3M11.6%1.85%vs
Sky Federal Credit UnionCredit union Livingston, MT53 out of 100, Below average$197.3M7.7%1.02%vs
Lincoln County Credit UnionCredit union Libby, MT98 out of 100, Very strong$186.6M21.6%0.22%vs
Grasslands Federal Credit UnionCredit union Circle, MT88 out of 100, Very strong$141.5M13.5%0.05%vs
Russell Country Federal Credit UnionCredit union Great Falls, MT48 out of 100, Below average$131.1M7.6%1.12%vs

Deposit insurance

Is my money safe at 1st Liberty Federal Credit Union?

Yes. 1st Liberty Federal Credit Union is a federally insured credit union (NCUA charter #10375). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.1% of shares and deposits ($7.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.43%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

1st Liberty Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
1st Liberty Federal Credit Union
Type
Federal credit union
NCUA charter #
10375
RSSD ID
174581
Primary regulator
NCUA
Established
1955
Headquarters
P. O. Box 5002, Great Falls, MT 59403
Employees
56

Quick answers

1st Liberty Federal Credit Union: common questions

Is 1st Liberty Federal Credit Union NCUA insured?

Yes. 1st Liberty Federal Credit Union is a federally insured credit union (NCUA charter #10375). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 1st Liberty Federal Credit Union's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 1st Liberty Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Great Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Davidson Trust Co.Bank Great Falls, MT94 out of 100, Very strong$13.2M75.9%0.00%vs
Independence BankBank Havre, MT84 out of 100, Strong$1.4B13.4%0.46%vs
Montana Federal Credit UnionCredit union Great Falls, MT79 out of 100, Strong$361.5M12.5%0.26%vs
Weld Community Credit UnionCredit union Greeley, CO78 out of 100, Strong$109.6M11.3%0.16%vs
Clearwater Federal Credit UnionCredit union Missoula, MT76 out of 100, Strong$1.2B12.8%0.67%vs
Horizon Credit UnionCredit union Spokane Valley, WA75 out of 100, Strong$2.0B13.1%0.27%vs