Calhoun Liberty Credit Union Blountstown, Florida
Calhoun Liberty Credit Union is a state-chartered credit union headquartered in Blountstown, FL, established in 1957 (NCUA charter 67431), and it is regulated and insured by the NCUA. At Q2 2026 it reported 9,212 members and total assets of $179.8M (up 10.6% from Q2 2025), the 56th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 10.66% at Q2 2026, in the well capitalized band.
Also written as Calhoun Liberty CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67431
- Headquarters
- Blountstown, FL
- Established
- 1957
- Total assets, Q2 2026
- $179.8M
- Assets vs Q2 2025
- +10.6%
- Members, Q2 2026
- 9,212
- Net worth ratio, Q2 2026
- 10.66%
- Latest call report
- Q2 2026, NCUA 5300 · Calhoun Liberty Credit Union call report
- Asset rank in state
- 56th of 106 in Florida
- Routing number
- 263277599
- Branches
- 5
It has 14 more members than on June 30, 2025 (+0.2%). Its net worth ratio was down 0.26 percentage points from 10.92% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $70.3M of $130.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.01% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.66% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Florida
Credit unions merged into Calhoun Liberty Credit Union
Frequently asked about Calhoun Liberty Credit Union
How big is Calhoun Liberty Credit Union?
At Q2 2026 it reported total assets of $179.8M and 9,212 members.
Where is Calhoun Liberty Credit Union headquartered?
It is headquartered in Blountstown, FL, United States.
When was Calhoun Liberty Credit Union founded?
It was established in 1957, per NCUA records.
Is Calhoun Liberty Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67431): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Calhoun Liberty Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Calhoun Liberty Credit Union well capitalized?
Its net worth ratio was 10.66% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Calhoun Liberty Credit Union's delinquency ratio?
Its delinquency ratio was 0.01% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Calhoun Liberty Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.91% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Blountstown, FL 32424
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 67431
- RSSD ID
- 826590
- Members
- 9,212
- Potential members
- 112,918
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.66% | 11.43% | 38th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.87% | 0.81% | 54th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.14% | 7.02% | 60th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.40% | 3.70% | 86th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 70.32% | 76.55% | 70th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.61% | 1.24% | 23rd bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.01% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 6.01% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 85.91% | 75.66% | 74th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$179.8M total assets against $162.6M; $151.4M total shares and deposits against $141.0M; $130.1M total loans against $117.1M.
$19.2M net worth against $17.6M.
10.66% net worth ratio against 10.92%.
85.91% loan-to-share ratio against 83.05%.
0.01% delinquency ratio against 0.00%.
0.87% return on assets against 1.00%; 8.14% return on equity against 9.28%.
4.40% net interest margin against 4.59%.
9,212 members against 9,198.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.66% | 0.87% | 0.01% | 85.91% |
| March 31, 2026 | 11.14% | 1.00% | 0.00% | 87.41% |
| December 31, 2025 | 11.04% | 1.19% | 0.05% | 87.71% |
| September 30, 2025 | 10.98% | 0.88% | 0.20% | 84.59% |
| June 30, 2025 | 10.92% | 1.00% | 0.00% | 83.05% |
| March 31, 2025 | 10.74% | 0.91% | 0.00% | 81.40% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.