Sep, 30, 2025 — LIBERTY BAY CREDIT UNION is a federally insured state chartered credit union headquartered in BRAINTREE, MA with 4 branch locations and about $815.73 million in total assets. Opened 109 years ago in 1917, LIBERTY BAY CREDIT UNION has about 22,082 members and employs 69 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | LIBERTY BAY CREDIT UNION |
|---|---|
| Address: (Main Office) | 300 Granite St Fl 3 BRAINTREE, MA 02184-3909 |
| Phone: | (617) 439-6500 |
| Fax: | (617) 439-6556 |
| Website: | https://www.lbcu.org |
| Branches: | 4 branch locations |
| Members: | 22,082 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67541 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1917 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $815,731,308 |
| CEO/Manager: | John Barron |
| Chairperson: | Sean Cashman |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 17,636,630 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 544,248,056 |
| Unsecured Loans | 14,421,622 |
| Other Loans | 80,473,306 |
| TOTAL LOANS | 639,142,984 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,600,324 |
| Land And Building | 1,176,870 |
| Other Fixed Assets | 2,385,275 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,521,717 |
| All Other Assets | 0 |
| TOTAL ASSETS | 815,731,308 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 52,377 |
| Notes & Interest Payable | 139,300,000 |
| Accounts Payable & Other Liabilities | 7,363,520 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 94,117,729 |
| Regular shares | 164,720,342 |
| All Other Shares & Deposits | 299,875,596 |
| TOTAL SHARES & DEPOSITS | 558,713,667 |
| TOTAL LIABILITIES | 705,510,219 |
| Regular Reserve | 0 |
| Other Reserves | -7,162,963 |
| Undivided Earnings | 117,384,052 |
| TOTAL EQUITY | 110,221,089 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 815,731,308 |
| INCOME & EXPENSE | |
| Loan Income | 24,374,576 |
| Investment Income | 3,709,360 |
| Other Income | 677,229 |
| Total Employee Compensation & Benefits | 8,110,426 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,369,930 |
| Non-operating Income & (Expense) | -3,400 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -21,792 |
| Cost of Funds | 12,976,922 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,150,703 |
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