Side-by-side · Q2 2026 data
1st Liberty Federal Credit Union vs Clearwater Federal Credit Union
Metric by metric
| Measure | 1st Liberty Federal Credit Union | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 76 |
| Capital cushion | 94 (stronger) | 78 |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 40 | 65 (stronger) |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 86th | 79th |
| Total assets | $214.2M | $1.2B |
| Deposits / shares | $182.4M | $945.2M |
| Capital ratio | 14.43% (stronger) | 12.83% |
| Problem loans | 0.28% (stronger) | 0.67% |
| Net charge-offs | 0.18% (stronger) | 0.34% |
| Return on assets | 0.49% | 1.12% (stronger) |
| Loans ÷ deposits | 51.3% (stronger) | 89.2% |
| Uninsured deposits | 4.1% (stronger) | 5.9% |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.9% |
1st Liberty Federal Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), 1st Liberty Federal Credit Union leads on 6 and Clearwater Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.