TellerScore

Liberty Bay Credit Union is a federally insured state-chartered credit union headquartered in Braintree, Massachusetts, in business for about 109 years. At the end of Q2 2026 it reported $827.4M in total assets and $591.3M in member shares and deposits, with 4 offices.

Liberty Bay Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 39th. Capital cushion contributes the most (100/100, 15.06%); earnings contributes the least (41/100, 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.06%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity46/100
Loans ÷ shares: 108.9% · 19.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.29%

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 (76 → 78), mostly because the loan quality component improved by 5 points.

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202474
Q1 202574
Q2 202576
Q3 202576
Q4 202577
Q1 202678
Q2 202678
Net worth ratio
7.00%11.03%15.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.53%
Q3 202414.48%
Q4 202414.59%
Q1 202514.51%
Q2 202514.76%
Q3 202514.84%
Q4 202514.94%
Q1 202614.70%
Q2 202615.06%
Delinquent loans (60+ days)
0.09%0.32%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.45%
Q4 20240.36%
Q1 20250.24%
Q2 20250.39%
Q3 20250.41%
Q4 20250.27%
Q1 20260.09%
Q2 20260.24%
Return on assets
0.22%0.39%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.31%
Q4 20240.31%
Q1 20250.28%
Q2 20250.48%
Q3 20250.51%
Q4 20250.55%
Q1 20260.49%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$827.4M15.06%0.24%0.53%108.9%
Q1 202678$839.9M14.70%0.09%0.49%108.8%
Q4 202577$819.6M14.94%0.27%0.55%112.5%
Q3 202576$815.7M14.84%0.41%0.51%114.4%
Q2 202576$812.0M14.76%0.39%0.48%114.5%
Q1 202574$816.4M14.51%0.24%0.28%112.1%
Q4 202474$808.1M14.59%0.36%0.31%118.3%
Q3 202473$810.5M14.48%0.45%0.31%116.1%
Q2 202472$800.6M14.53%0.55%0.22%115.8%

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 ratio15.06%
85th
Problem loans0.24%
87th
Net charge-offs0.04%
94th
Return on assets0.53%
33rd
Loans to deposits108.9%
1st
Uninsured deposits19.7%
2nd
Loan-loss reserves0.00%
50th
Texas ratio1.3%
86th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Direct Federal Credit UnionCredit union Needham, MA64 out of 100, Moderate$794.7M11.4%0.36%vs
Central One Federal Credit UnionCredit union Shrewsbury, MA61 out of 100, Moderate$872.1M9.7%0.68%vs
Polish National Credit UnionCredit union Chicopee, MA76 out of 100, Strong$776.9M13.6%0.17%vs
All One Credit UnionCredit union Leominster, MA60 out of 100, Moderate$880.8M8.7%0.27%vs
Freedom Credit UnionCredit union Springfield, MA66 out of 100, Moderate$764.0M14.3%1.81%vs
Gfa Federal Credit UnionCredit union Gardner, MA55 out of 100, Moderate$747.3M9.2%0.75%vs

Deposit insurance

Is my money safe at Liberty Bay Credit Union?

Yes. Liberty Bay Credit Union is a federally insured credit union (NCUA charter #67541). 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 19.7% of shares and deposits ($116.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.06%, well 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Liberty Bay Credit Union reported 151 home-loan applications under HMDA (LEI 5493007Y306QGNH6J842): 121 originated ($40,075,000 total), 8 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, 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
Liberty Bay Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67541
RSSD ID
18292
Primary regulator
State + NCUA
Established
1917
Headquarters
300 Granite St Fl 3, Braintree, MA 02184
Employees
70

Quick answers

Liberty Bay Credit Union: common questions

Is Liberty Bay Credit Union NCUA insured?

Yes. Liberty Bay Credit Union is a federally insured credit union (NCUA charter #67541). 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 Liberty Bay Credit Union's TellerScore?

78 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 Liberty Bay Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Braintree

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs