Liberty First Credit Union is a federally insured state-chartered credit union headquartered in Lincoln, Nebraska, in business for about 91 years. At the end of Q2 2026 it reported $523.4M in total assets and $437.2M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Liberty First Credit Union scores 86/100, which we describe as very strong. That is higher than 89% of 1,341 credit unions with $100 million – $1 billion. Among 50 credit unions headquartered in Nebraska, it ranks 10th. Its strongest component is capital cushion (100/100; 15.08%), and its lowest is funding & liquidity (69/100; 91% loans-to-deposits, 2% uninsured).
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 rose 13 points (73 → 86), mostly because the loan quality component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 72 |
| Q4 2024 | 69 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 75 |
| Q4 2025 | 84 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.35% |
| Q3 2024 | 13.45% |
| Q4 2024 | 13.57% |
| Q1 2025 | 13.51% |
| Q2 2025 | 13.61% |
| Q3 2025 | 14.07% |
| Q4 2025 | 14.46% |
| Q1 2026 | 14.91% |
| Q2 2026 | 15.08% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.76% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.74% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.43% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.79% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.38% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.69% |
| Q1 2026 | 1.58% |
| Q2 2026 | 1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $523.4M | 15.08% | 0.79% | 1.75% | 91.4% |
| Q1 2026 | 86 | $512.1M | 14.91% | 0.54% | 1.58% | 92.0% |
| Q4 2025 | 84 | $515.1M | 14.46% | 0.82% | 1.69% | 89.1% |
| Q3 2025 | 75 | $507.4M | 14.07% | 1.43% | 1.48% | 91.7% |
| Q2 2025 | 73 | $510.0M | 13.61% | 1.37% | 1.43% | 91.8% |
| Q1 2025 | 73 | $498.9M | 13.51% | 1.26% | 1.31% | 91.2% |
| Q4 2024 | 69 | $484.8M | 13.57% | 1.74% | 1.38% | 93.7% |
| Q3 2024 | 72 | $478.6M | 13.45% | 1.53% | 1.47% | 91.6% |
| Q2 2024 | 69 | $468.2M | 13.35% | 1.76% | 1.44% | 92.0% |
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 Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metro Credit UnionCredit union Omaha, NE | 81 out of 100, Strong | $646.3M | 12.8% | 0.25% | vs |
| Siouxland Federal Credit UnionCredit union South Sioux Cit, NE | 75 out of 100, Strong | $351.9M | 12.2% | 0.43% | vs |
| Nebraska Energy Federal Credit UnionCredit union Columbus, NE | 87 out of 100, Very strong | $327.7M | 19.3% | 0.05% | vs |
| First Nebraska Credit UnionCredit union Omaha, NE | 77 out of 100, Strong | $184.2M | 15.7% | 0.90% | vs |
| Lincone Federal Credit UnionCredit union Lincoln, NE | 80 out of 100, Strong | $183.6M | 12.7% | 0.58% | vs |
| Four Points Federal Credit UnionCredit union Omaha, NE | 33 out of 100, Low | $165.5M | 3.6% | 1.24% | vs |
Deposit insurance
Is my money safe at Liberty First Credit Union?
Yes. Liberty First Credit Union is a federally insured credit union (NCUA charter #63757). 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 2.2% of shares and deposits ($9.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 15.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Liberty First Credit Union lists 2 offices in 1 city. Most locations:
- Lincoln, NE (2)
HMDA 2025
Mortgage lending
In 2025, Liberty First Credit Union reported 646 home-loan applications under HMDA (LEI 549300IPZIRQSNKHX741): 415 originated ($74,075,000 total), 63 denied, and 161 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, 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 First Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 63757
- RSSD ID
- 812294
- Primary regulator
- State + NCUA
- Established
- 1935
- Headquarters
- 501 North 46th, Lincoln, NE 68503
- Employees
- 102
Quick answers
Liberty First Credit Union: common questions
Is Liberty First Credit Union NCUA insured?
Yes. Liberty First Credit Union is a federally insured credit union (NCUA charter #63757). 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 First Credit Union's TellerScore?
86 out of 100 (Very 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 First Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lincoln
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CerescoBankBank Ceresco, NE | 92 out of 100, Very strong | $81.3M | 13.9% | 0.06% | vs |
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| Nebraska State Employees Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $36.8M | 14.0% | 0.11% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Cattle Bank and TrustBank Seward, NE | 87 out of 100, Very strong | $421.9M | 12.9% | 0.08% | vs |