TellerScore

Libertyone Credit Union is a federally insured state-chartered credit union headquartered in Arlington, Texas, in business for about 91 years. At the end of Q2 2026 it reported $175.5M in total assets and $155.6M in member shares and deposits, with 3 offices.

Libertyone Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 293rd. Problem-loan coverage contributes the most (83/100, 8.6%); earnings contributes the least (35/100, 0.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.15%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.32%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity78/100
Loans ÷ shares: 81.2% · 16.0% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.55%

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 (62 → 60), mostly because the loan quality component weakened by 18 points.

TellerScore
606264Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202463
Q1 202563
Q2 202562
Q3 202560
Q4 202562
Q1 202662
Q2 202660
Net worth ratio
7.00%9.07%11.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.02%
Q3 202410.85%
Q4 202410.89%
Q1 202510.60%
Q2 202510.80%
Q3 202510.75%
Q4 202510.89%
Q1 202610.93%
Q2 202611.15%
Delinquent loans (60+ days)
0.58%0.95%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.58%
Q4 20240.58%
Q1 20250.58%
Q2 20250.78%
Q3 20251.08%
Q4 20250.93%
Q1 20261.04%
Q2 20261.32%
Return on assets
0.11%0.27%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.11%
Q4 20240.11%
Q1 20250.15%
Q2 20250.20%
Q3 20250.23%
Q4 20250.27%
Q1 20260.43%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$175.5M11.15%1.32%0.38%81.2%
Q1 202662$177.7M10.93%1.04%0.43%81.9%
Q4 202562$176.6M10.89%0.93%0.27%81.9%
Q3 202560$177.4M10.75%1.08%0.23%78.1%
Q2 202562$175.3M10.80%0.78%0.20%80.8%
Q1 202563$177.7M10.60%0.58%0.15%83.2%
Q4 202463$172.4M10.89%0.58%0.11%85.4%
Q3 202464$172.6M10.85%0.58%0.11%82.5%
Q2 202463$169.5M11.02%0.65%0.11%86.4%

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 ratio11.15%
46th
Problem loans1.32%
18th
Net charge-offs0.49%
36th
Return on assets0.38%
23rd
Loans to deposits81.2%
38th
Uninsured deposits16.0%
5th
Loan-loss reserves0.00%
50th
Texas ratio8.6%
18th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Rio Grande Valley Credit UnionCredit union Harlingen, TX73 out of 100, Strong$180.1M10.5%0.42%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Chemcel Federal Credit UnionCredit union Bishop, TX74 out of 100, Strong$184.0M12.1%0.75%vs
Community Service Credit UnionCredit union Huntsville, TX59 out of 100, Moderate$163.8M9.4%0.82%vs
Lone Star Credit UnionCredit union Dallas, TX65 out of 100, Moderate$188.3M8.9%0.25%vs
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs

Deposit insurance

Is my money safe at Libertyone Credit Union?

Yes. Libertyone Credit Union is a federally insured credit union (NCUA charter #61604). 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 16.0% of shares and deposits ($24.9M) 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 11.15%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Libertyone Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Libertyone Credit Union reported 75 home-loan applications under HMDA (LEI 5493002EOK9UP4QZ5N22): 73 originated ($7,845,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Libertyone Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61604
RSSD ID
30799
Primary regulator
State + NCUA
Established
1935
Headquarters
2221 E Lamar Blvd Ste 110, Arlington, TX 76006
Employees
24

Quick answers

Libertyone Credit Union: common questions

Is Libertyone Credit Union NCUA insured?

Yes. Libertyone Credit Union is a federally insured credit union (NCUA charter #61604). 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 Libertyone Credit Union's TellerScore?

60 out of 100 (Moderate), 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 Libertyone Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Arlington

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs