Liberty One Credit Union

1100 Commerce Street 615
Dallas, TX 75242
800-672-1320
www.libertyonecu.com

OverView
Rates
Health
Reviews

Liberty One Credit Union is headquartered in Arlington and is the 115^st largest credit union in the state of Texas. It is also the 1,496^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 20 employees and 7,208 members. Liberty One Credit Union has a 5-star health rating.

Report an Issue

See Rates for: Checking | Savings | CD | IRA

Liberty One Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Prime Checking

Liberty One Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	$25k	-	Share Savings
0.50%	-	-	IRA Savings
0.50%	-	-	Roth IRA Savings
0.50%	-	-	Education IRA Savings
0.25%	-	-	Christmas Club

Liberty One Credit Union CD Rates

Apy	Min	Max	Product
1.36%	$25k	-	60 Month CD
1.11%	$25k	-	48 Month CD
0.85%	$25k	-	36 Month CD
0.60%	$25k	-	24 Month CD
0.50%	$25k	-	12 Month CD
0.35%	$25k	-	6 Month CD

Liberty One Credit Union IRA Rates

Apy	Min	Max	Product
1.36%	$25k	-	60 Month IRA
1.36%	$25k	-	60 Month Roth IRA
1.36%	$25k	-	60 Month Education IRA
1.11%	$25k	-	48 Month IRA
1.11%	$25k	-	48 Month Roth IRA
1.11%	$25k	-	48 Month Education IRA
0.85%	$25k	-	36 Month IRA
0.85%	$25k	-	36 Month Roth IRA
0.85%	$25k	-	36 Month Education IRA
0.60%	$25k	-	24 Month IRA
0.60%	$25k	-	24 Month Roth IRA
0.60%	$25k	-	24 Month Education IRA
0.50%	$25k	-	12 Month IRA
0.50%	$25k	-	12 Month Roth IRA
0.50%	$25k	-	12 Month Education IRA
0.35%	$25k	-	6 Month IRA
0.35%	$25k	-	6 Month Roth IRA
0.35%	$25k	-	6 Month Education IRA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

LIBERTY ONE
NCUA #	61604
BankRate Report	View
Year Chartered	1935
Employees	20
Primary Regulator
Assets and Liabilities
Assets	$93.09 million
Loans	$57.81 million
Deposits	$81.58 million
Equity Capital	$10.57 million
Loan Loss Allowance	$310,000
Unbacked Noncurrent Loans	$159,000
Historic Data - December 2010
Assets	$86.03 million
Equity Capital	$10.10 million
Loan Loss Allowance	$321,000
Unbacked Noncurrent Loans	$308,000
Profit Margin - Quarterly
Net Interest Margin	5.41%
Return on Assets	0.62%
Return on Equity	5.47%
Interest Income	$3.70 million
Non-Interest Income	$943,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Liberty One Credit Union had $159,000 in non-current loans and owned real-estate with $10.88 million in equity and loan loss allowances on hand to cover it. This gives Liberty One Credit Union a Texas Ratio of 1.46% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Liberty One Credit Union decreased significantly from 2.96% as of December 31, 2010 to 1.46% as of December 31, 2011, resulting in a positive change of 50.54%.This indicates that the balance sheet and financial strength for Liberty One Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Liberty One Credit Union has increased its total deposits by $6.21 million, resulting in 8.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Liberty One Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Liberty One Credit Union has $93.09 million in assets with $10.88 million in equity, resulting in a capitalization level of 11.68%, which is above average.

No reviews have been left for this bank yet. Be the first to review.