Braintree, Massachusetts · Peer group 6
Liberty Bay Credit Union
Liberty Bay Credit Union holds $839.9M in assets across 21,692 members as of Q1 2026 — about $39K of assets per member, on a charter dating to 1917. Charter number 67541, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $839.9M |
|---|---|
| Total loans | $642.8M |
| Total shares (deposits) | $590.6M |
| Net worth | $123.5M |
| Members | 21,692 |
| Assets per member | $39K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.9% | |
|---|---|---|
| Loans | 2.3% | around the 36th percentile of its peer group |
| Deposits | 5.3% | around the 60th percentile of its peer group |
| Members | -2.2% | around the 18th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 108.8% | higher than 98% of its peer group |
|---|---|---|
| Net worth ratio | 14.7% | higher than 92% of its peer group |
| Return on assets | 0.49% | around the 33rd percentile of its peer group |
| Delinquency ratio | 0.09% | lower than 98% of its peer group |
| Cash / assets | 4.4% | around the 15th percentile of its peer group |
| Borrowings / assets | 15.4% | higher than 98% of its peer group |
What this page does not show
Everything above is Liberty Bay Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- All One Credit Union
Leominster, MA
$864.4M · 36,606 members
- Central One Credit Union
Shrewsbury, MA
$882.7M · 39,109 members
- Direct Credit Union
Needham, MA
$789.8M · 23,538 members
- Polish National Credit Union
Chicopee, MA
$765.4M · 28,647 members
- Gfa Credit Union
Gardner, MA
$760.6M · 33,415 members
- Freedom Credit Union
SPRINGFIELD, MA
$757.4M · 31,707 members
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