Side-by-side · Q2 2026 data
1st Liberty Federal Credit Union vs Horizon Credit Union
Metric by metric
| Measure | 1st Liberty Federal Credit Union | Horizon Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 75 |
| Capital cushion | 94 (stronger) | 81 |
| Loan quality | 91 | 91 |
| Earnings | 40 | 46 (stronger) |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 86th | 75th |
| Total assets | $214.2M | $2.0B |
| Deposits / shares | $182.4M | $1.6B |
| Capital ratio | 14.43% (stronger) | 13.08% |
| Problem loans | 0.28% | 0.27% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.48% |
| Return on assets | 0.49% | 0.64% (stronger) |
| Loans ÷ deposits | 51.3% (stronger) | 98.9% |
| Uninsured deposits | 4.1% (stronger) | 8.1% |
| Offices | 5 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Liberty Federal Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), 1st Liberty Federal Credit Union leads on 5 and Horizon Credit Union on 2. 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.