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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 77 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 76 |
| Q3 2025 | 74 |
| Q4 2025 | 75 |
| Q1 2026 | 76 |
| Q2 2026 | 74 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.04% |
| Q3 2024 | 11.70% |
| Q4 2024 | 11.23% |
| Q1 2025 | 10.74% |
| Q2 2025 | 10.92% |
| Q3 2025 | 10.98% |
| Q4 2025 | 11.04% |
| Q1 2026 | 11.14% |
| Q2 2026 | 10.66% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.96% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.96% |
| Q1 2026 | 1.00% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $179.8M | 10.66% | 0.01% | 0.92% | 85.9% |
| Q1 2026 | 76 | $172.6M | 11.14% | 0.00% | 1.00% | 87.4% |
| Q4 2025 | 75 | $172.2M | 11.04% | 0.05% | 0.96% | 87.7% |
| Q3 2025 | 74 | $166.7M | 10.98% | 0.20% | 0.91% | 84.6% |
| Q2 2025 | 76 | $162.6M | 10.92% | 0.00% | 0.96% | 83.1% |
| Q1 2025 | 75 | $163.2M | 10.74% | 0.00% | 0.91% | 81.4% |
| Q4 2024 | 75 | $160.0M | 11.23% | 0.04% | 0.76% | 83.2% |
| Q3 2024 | 77 | $157.0M | 11.70% | 0.15% | 0.97% | 83.9% |
| Q2 2024 | 65 | $129.9M | 8.04% | 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).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Miami Postal Service Credit UnionCredit union Miami, FL | 64 out of 100, Moderate | $184.3M | 9.3% | 0.26% | vs |
| Blue Coast Federal Credit UnionCredit union Perry, FL | 66 out of 100, Moderate | $188.5M | 9.7% | 0.46% | vs |
| Miami Firefighters Federal Credit UnionCredit union Miami, FL | 76 out of 100, Strong | $189.2M | 12.5% | 0.39% | vs |
| Pinellas Federal Credit UnionCredit union Largo, FL | 73 out of 100, Strong | $170.4M | 13.1% | 0.92% | vs |
| Priorityone Credit Union of FloridaCredit union Sunrise, FL | 73 out of 100, Strong | $162.2M | 10.9% | 0.56% | vs |
| First Choice Credit UnionCredit union West Palm Beach, FL | 68 out of 100, Moderate | $161.3M | 10.4% | 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.
4 locations
Branches
Calhoun Liberty Credit Union lists 4 offices in 3 cities. Most locations:
- Blountstown, FL (2)
- Keystone Heights, FL (1)
- Tallahassee, FL (1)
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tyndall Federal Credit UnionCredit union Panama City, FL | 89 out of 100, Very strong | $1.9B | 13.6% | 0.26% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Addition Financial Credit UnionCredit union Lake Mary, FL | 61 out of 100, Moderate | $3.8B | 10.0% | 1.40% | vs |