TellerScore

Calhoun Liberty Credit Union (NCUA charter #67431) is based in Blountstown, Florida. Its Q2 2026 call report shows $179.8M in total assets and $151.4M in member shares and deposits and 4 offices.

Calhoun Liberty Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 42nd. Loan quality contributes the most (100/100, 0.01%); earnings contributes the least (57/100, 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.66%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.01%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity74/100
Loans ÷ shares: 85.9% · 4.6% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.92%

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 fell 2 points (76 → 74), mostly because the problem-loan coverage component weakened by 4 points.

TellerScore
657177Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202477
Q4 202475
Q1 202575
Q2 202576
Q3 202574
Q4 202575
Q1 202676
Q2 202674
Net worth ratio
7.00%9.35%11.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.04%
Q3 202411.70%
Q4 202411.23%
Q1 202510.74%
Q2 202510.92%
Q3 202510.98%
Q4 202511.04%
Q1 202611.14%
Q2 202610.66%
Delinquent loans (60+ days)
0.00%0.10%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.15%
Q4 20240.04%
Q1 20250.00%
Q2 20250.00%
Q3 20250.20%
Q4 20250.05%
Q1 20260.00%
Q2 20260.01%
Return on assets
0.76%0.88%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.97%
Q4 20240.76%
Q1 20250.91%
Q2 20250.96%
Q3 20250.91%
Q4 20250.96%
Q1 20261.00%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$179.8M10.66%0.01%0.92%85.9%
Q1 202676$172.6M11.14%0.00%1.00%87.4%
Q4 202575$172.2M11.04%0.05%0.96%87.7%
Q3 202574$166.7M10.98%0.20%0.91%84.6%
Q2 202576$162.6M10.92%0.00%0.96%83.1%
Q1 202575$163.2M10.74%0.00%0.91%81.4%
Q4 202475$160.0M11.23%0.04%0.76%83.2%
Q3 202477$157.0M11.70%0.15%0.97%83.9%
Q2 202465$129.9M8.04%0.12%0.87%81.1%

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 ratio10.66%
38th
Problem loans0.01%
99th
Net charge-offs0.13%
80th
Return on assets0.92%
61st
Loans to deposits85.9%
26th
Uninsured deposits4.6%
64th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
77th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Miami Postal Service Credit UnionCredit union Miami, FL64 out of 100, Moderate$184.3M9.3%0.26%vs
Blue Coast Federal Credit UnionCredit union Perry, FL66 out of 100, Moderate$188.5M9.7%0.46%vs
Miami Firefighters Federal Credit UnionCredit union Miami, FL76 out of 100, Strong$189.2M12.5%0.39%vs
Pinellas Federal Credit UnionCredit union Largo, FL73 out of 100, Strong$170.4M13.1%0.92%vs
Priorityone Credit Union of FloridaCredit union Sunrise, FL73 out of 100, Strong$162.2M10.9%0.56%vs
First Choice Credit UnionCredit union West Palm Beach, FL68 out of 100, Moderate$161.3M10.4%0.60%vs

Deposit insurance

Is my money safe at Calhoun Liberty Credit Union?

Yes. Calhoun Liberty Credit Union is a federally insured credit union (NCUA charter #67431). 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 4.6% of shares and deposits ($7.0M) 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 10.66%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Calhoun Liberty Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Calhoun Liberty Credit Union reported 88 home-loan applications under HMDA (LEI 89450050X5UV1V72BV64): 79 originated ($18,425,000 total), 5 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Calhoun Liberty Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67431
RSSD ID
826590
Primary regulator
State + NCUA
Established
1991
Headquarters
16076 State Road 71 S, Blountstown, FL 32424
Employees
42

Quick answers

Calhoun Liberty Credit Union: common questions

Is Calhoun Liberty Credit Union NCUA insured?

Yes. Calhoun Liberty Credit Union is a federally insured credit union (NCUA charter #67431). 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 Calhoun Liberty Credit Union's TellerScore?

74 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 Calhoun Liberty Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Blountstown

InstitutionScoreAssetsCapitalProblem loansCompare
Tyndall Federal Credit UnionCredit union Panama City, FL89 out of 100, Very strong$1.9B13.6%0.26%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
PeoplesSouth BankBank Colquitt, GA69 out of 100, Moderate$1.2B10.4%1.02%vs
Ameris BankBank Atlanta, GA67 out of 100, Moderate$28.4B11.4%0.57%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Addition Financial Credit UnionCredit union Lake Mary, FL61 out of 100, Moderate$3.8B10.0%1.40%vs