TellerScore

Headquartered in McCook, Nebraska, Midwest Liberty Federal Credit Union is a federal credit union with $25.2M in total assets and $22.3M in member shares and deposits as of Q2 2026. Its charter dates back to 1949.

Based on its Q2 2026 filing, Midwest Liberty Federal Credit Union scores 46/100, which we describe as below average. That is higher than only 6% of 2,479 credit unions with under $100 million in assets. Among 50 credit unions headquartered in Nebraska, it ranks 45th. Its strongest component is funding & liquidity (85/100; 76% loans-to-deposits, 1% uninsured), and its lowest is earnings (18/100; -0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.48%
Loan quality25/100
Loans 60+ days delinquent ÷ total loans: 2.24%
Earnings18/100
Return on assets (annualized): -0.05%
Funding & liquidity85/100
Loans ÷ shares: 75.6% · 1.1% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.29%

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 fell 11 points (57 → 46), mostly because the loan quality component weakened by 27 points.

TellerScore
465462Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202460
Q4 202459
Q1 202559
Q2 202557
Q3 202552
Q4 202554
Q1 202662
Q2 202646
Net worth ratio
7.00%9.04%11.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.93%
Q3 202411.06%
Q4 202410.86%
Q1 202510.75%
Q2 202510.89%
Q3 202511.08%
Q4 202510.55%
Q1 202610.56%
Q2 202610.48%
Delinquent loans (60+ days)
0.57%1.40%2.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.84%
Q3 20240.57%
Q4 20240.77%
Q1 20251.19%
Q2 20251.43%
Q3 20251.66%
Q4 20251.56%
Q1 20261.22%
Q2 20262.24%
Return on assets
-0.44%0.07%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.44%
Q3 2024-0.43%
Q4 2024-0.24%
Q1 20250.26%
Q2 20250.28%
Q3 2025-0.19%
Q4 20250.03%
Q1 20260.58%
Q2 2026-0.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$25.2M10.48%2.24%-0.05%75.6%
Q1 202662$25.5M10.56%1.22%0.58%74.5%
Q4 202554$25.1M10.55%1.56%0.03%76.1%
Q3 202552$23.6M11.08%1.66%-0.19%81.3%
Q2 202557$24.5M10.89%1.43%0.28%81.9%
Q1 202559$24.8M10.75%1.19%0.26%80.3%
Q4 202459$24.4M10.86%0.77%-0.24%81.1%
Q3 202460$23.7M11.06%0.57%-0.43%84.8%
Q2 202457$24.2M10.93%0.84%-0.44%82.4%

2,479 peers · Under $100 million in assets

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 ratio10.48%
20th
Problem loans2.24%
18th
Net charge-offs1.07%
13th
Return on assets-0.05%
18th
Loans to deposits75.6%
25th
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio14.3%
8th

Similar-size credit unions in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Union Pacific Streamliner Federal Credit UnionCredit union Omaha, NE54 out of 100, Below average$20.6M9.3%0.55%vs
Chadron Federal Credit UnionCredit union Chadron, NE69 out of 100, Moderate$20.5M12.9%1.43%vs
Neighborhood Community Federal Credit UnionCredit union Omaha, NE92 out of 100, Very strong$31.0M14.2%0.17%vs
First Lincoln Federal Credit UnionCredit union Lincoln, NE34 out of 100, Low$17.9M9.8%7.36%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%vs
U.P. Connection Federal Credit UnionCredit union Omaha, NE75 out of 100, Strong$34.3M12.3%0.00%vs

Deposit insurance

Is my money safe at Midwest Liberty Federal Credit Union?

Yes. Midwest Liberty Federal Credit Union is a federally insured credit union (NCUA charter #6466). 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 1.1% of shares and deposits ($240K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.48%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Midwest Liberty Federal Credit Union
Type
Federal credit union
NCUA charter #
6466
RSSD ID
918589
Primary regulator
NCUA
Established
1949
Headquarters
PO Box 385, McCook, NE 69001
Employees
5

Quick answers

Midwest Liberty Federal Credit Union: common questions

Is Midwest Liberty Federal Credit Union NCUA insured?

Yes. Midwest Liberty Federal Credit Union is a federally insured credit union (NCUA charter #6466). 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 Midwest Liberty Federal Credit Union's TellerScore?

46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.