WPublic & Societal BenefitEIN: 041896000· Ruling Year: 1937

Liberty Bay Credit Union

Braintree, Massachusetts

B+Health Score
68B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 9 peers in Public & Societal Benefit with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org3.37×
Peer Median11.38×
💰
$33.3M
Total Revenue
📊
$29.9M
Total Expenses
🏦
$100.5M
Net Assets
📋
$685.1M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+21.0%
Year-over-year change (2022 → 2023)
Net Margin
+10.3%
Revenue minus expenses as % of revenue
Working Capital Ratio
3.37
Net assets divided by total expenses
Liabilities-to-Assets
87.2%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$33,292,81521%$29,854,78744%$785,580,1756%
2022$27,516,94214%$20,735,20310%$743,994,8154%
2021$24,208,3976%$23,163,9985%$714,665,2382%
2020$25,749,98410%$24,417,22211%$701,131,9085%
2019$28,578,67210%$27,519,53310%$669,863,600
2018$25,866,94812%$24,997,5046%$667,405,2332%
2017$23,011,491$23,693,43112%$683,756,3876%
2016$22,918,4117%$21,216,60311%$645,702,6961%
2015$21,334,9652%$19,053,609$652,832,4181%
2014$20,824,8934%$18,966,4917%$647,250,4344%
2013$21,606,1496%$20,403,56315%$625,216,376
2012$20,453,02612%$24,042,8813%$623,527,2883%
2011$23,181,184$24,829,169$644,704,320

Frequently Asked Questions

What does Liberty Bay Credit Union do?

Liberty Bay Credit Union is a public & societal benefit nonprofit organization based in Massachusetts. It is classified under NTEE code W61Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Liberty Bay Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Liberty Bay Credit Union has a score of 68/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Liberty Bay Credit Union generate?

Liberty Bay Credit Union reports $39.2M in annual revenue and holds $808.1M in total assets, based on IRS filings.

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Liberty Bay Credit Union — Braintree, MA | GiveScope