credit union · NCUA 67541 · MA
How big is LIBERTY BAY?
LIBERTY BAY (MA, NCUA charter 67541) reported total assets of $827.4M, 21,624 members and a net worth ratio of 15.06% in its Call Report for 2026Q2. That ranks 549 of 4,299 federally insured credit unions by assets, 70 of 280 among credit unions with $500m-$1b in assets, 15 of 121 credit unions in massachusetts.
What stands out
LIBERTY BAY (MA, NCUA charter 67541) reported total assets of $827.4M, 21,624 members and a net worth ratio of 15.06% in its Call Report for 2026Q2. That ranks 549 of 4,299 federally insured credit unions by assets, 70 of 280 among credit unions with $500m-$1b in assets, 15 of 121 credit unions in massachusetts. Against its size class: net worth ratio 15.06%, above the peer median of 10.59%; loan-to-share ratio 108.92%, above the peer median of 83.51%; return on assets 0.53%, below the peer median of 0.75%. At 15.06% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $827.4M | $714.8M | $81.8M | $68.3M | record → |
| Shares and deposits | $591.3M | $614.6M | $67.8M | $58.3M | record → |
| Loans outstanding | $644.1M | $502.2M | $42.6M | $34.4M | record → |
| Net income (year to date) | $2.2M | $2.5M | $172.3k | $222.2k | record → |
| Net worth | $124.6M | $74.4M | $9.5M | $9.0M | record → |
| Net worth ratio | 15.06% | 10.59% | 12.11% | 12.65% | record → |
| Loan-to-share ratio | 108.92% | 83.51% | 76.11% | 68.70% | computed |
| Return on assets | 0.53% | 0.75% | 0.56% | 0.71% | computed |
| Members | 21,624 | 41,964 | 4,111 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $827.4M | $591.3M | $644.1M | $2.2M | 15.06% | 21,624 | 549 |
| 2026Q1 | $839.9M | $590.6M | $642.8M | $1.0M | 14.70% | 21,692 | 542 |
| 2025Q4 | $819.6M | $565.7M | $636.5M | $4.5M | 14.94% | 21,668 | 543 |
| 2025Q3 | $815.7M | $558.7M | $639.1M | $3.2M | 14.84% | 22,082 | 543 |
| 2025Q2 | $812.0M | $556.3M | $636.9M | $1.9M | 14.76% | 22,223 | 541 |
| 2025Q1 | $816.4M | $560.9M | $628.4M | $573.6k | 14.51% | 22,172 | 539 |
| 2024Q4 | $808.1M | $540.2M | $638.9M | $2.5M | 14.59% | 22,156 | 534 |
| 2024Q3 | $810.5M | $546.5M | $634.6M | $1.9M | 14.48% | 23,176 | 534 |
| 2024Q2 | $800.6M | $545.2M | $631.2M | $879.1k | 14.53% | 23,272 | 536 |
| 2024Q1 | $795.4M | $538.6M | $615.8M | $572.1k | 14.59% | 23,803 | 543 |
| 2023Q4 | $786.2M | $537.7M | $611.4M | $3.4M | 14.68% | 23,832 | 541 |
| 2023Q3 | $771.9M | $536.0M | $594.7M | $2.9M | 14.88% | 23,866 | 544 |
| 2023Q2 | $745.8M | $542.4M | $572.6M | $1.9M | 15.27% | 23,830 | 556 |
| 2023Q1 | $749.3M | $551.3M | $562.1M | $869.8k | 15.06% | 23,860 | 556 |
| 2022Q4 | $744.0M | $556.8M | $554.0M | $6.8M | 15.05% | 23,942 | 550 |
| 2022Q3 | $729.6M | $572.9M | $540.5M | $5.0M | 15.11% | 24,175 | 555 |
| 2022Q2 | $716.4M | $577.8M | $518.8M | $1.6M | 14.91% | 25,093 | 554 |
| 2022Q1 | $711.4M | $585.7M | $500.9M | $606.7k | 14.87% | 25,044 | 555 |
| 2021Q4 | $714.7M | $577.8M | $489.5M | $2.1M | 14.86% | 25,034 | 542 |
| 2021Q3 | $705.5M | $566.7M | $480.9M | $1.4M | 14.96% | 25,184 | 541 |
| 2021Q2 | $699.2M | $555.1M | $475.2M | $821.1k | 15.01% | 26,029 | 539 |
| 2021Q1 | $702.8M | $553.7M | $463.7M | $428.5k | 14.87% | 26,046 | 533 |
| 2020Q4 | $701.1M | $530.0M | $466.0M | $1.3M | 14.85% | 26,005 | 510 |
| 2020Q3 | $695.2M | $519.9M | $471.1M | $665.6k | 14.88% | 27,557 | 506 |
| 2020Q2 | $708.0M | $517.0M | $473.3M | $208.1k | 14.54% | 27,561 | 491 |
| 2020Q1 | $680.9M | $491.0M | $446.4M | $155.6k | 15.12% | 27,517 | 476 |
| 2019Q4 | $669.9M | $481.9M | $454.5M | $1.1M | 15.34% | 27,493 | 464 |
| 2019Q3 | $661.9M | $473.0M | $463.0M | $709.6k | 15.48% | 27,835 | 462 |
| 2019Q2 | $669.3M | $475.0M | $463.6M | $264.6k | 15.24% | 27,772 | 458 |
| 2019Q1 | $676.2M | $474.0M | $479.6M | $149.0k | 15.07% | 27,690 | 452 |
| 2018Q4 | $667.4M | $466.4M | $478.0M | $1.1M | 15.27% | 27,513 | 437 |
| 2018Q3 | $674.8M | $472.7M | $480.4M | $430.5k | 15.01% | 27,489 | 433 |
| 2018Q2 | $685.0M | $479.7M | $478.8M | $233.5k | 14.76% | 27,332 | 430 |
| 2018Q1 | $695.5M | $490.3M | $469.1M | $146.7k | 14.52% | 27,188 | 422 |
| 2017Q4 | $683.8M | $476.3M | $467.1M | $-681.9k | 14.75% | 27,003 | 418 |
| 2017Q3 | $688.4M | $480.3M | $470.9M | $-815.4k | 14.63% | 26,890 | 412 |
| 2017Q2 | $693.4M | $486.2M | $477.5M | $-1.2M | 14.47% | 26,796 | 406 |
| 2017Q1 | $646.8M | $443.2M | $445.8M | $-1.5M | 14.91% | 23,170 | 429 |
| 2016Q4 | $645.7M | $438.9M | $445.3M | $1.7M | 15.16% | 23,153 | 416 |
| 2016Q3 | $662.0M | $451.5M | $433.2M | $1.5M | 14.75% | 22,925 | 398 |
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