Side-by-side · Q2 2026 data
Adams State Bank vs Liberty First Credit Union
Metric by metric
| Measure | Adams State Bank | Liberty First Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 74 |
| Earnings | 84 | 90 (stronger) |
| Funding & liquidity | 70 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 90th | 89th |
| Total assets | $70.2M | $523.4M |
| Deposits / shares | $54.2M | $437.2M |
| Capital ratio | 16.62% (stronger) | 15.08% |
| Problem loans | 0.09% (stronger) | 0.79% |
| Net charge-offs | -0.01% (stronger) | 0.26% |
| Return on assets | 1.59% | 1.75% (stronger) |
| Loans ÷ deposits | 90.1% (stronger) | 91.4% |
| Uninsured deposits | 14.0% | 2.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
Adams State Bank has the higher TellerScore (91 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Adams State Bank leads on 5 and Liberty First 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.