Side-by-side · Q2 2026 data
Central One Federal Credit Union vs Liberty Bay Credit Union
Credit union
Central One Federal Credit Union
Shrewsbury, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Central One Federal Credit Union | Liberty Bay Credit Union |
|---|---|---|
| TellerScore | 61 | 78 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 77 | 92 (stronger) |
| Earnings | 44 (stronger) | 41 |
| Funding & liquidity | 64 (stronger) | 46 |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 24th | 74th |
| Total assets | $872.1M | $827.4M |
| Deposits / shares | $723.0M | $591.3M |
| Capital ratio | 9.72% | 15.06% (stronger) |
| Problem loans | 0.68% | 0.24% (stronger) |
| Net charge-offs | 0.14% | 0.04% (stronger) |
| Return on assets | 0.59% (stronger) | 0.53% |
| Loans ÷ deposits | 96.6% (stronger) | 108.9% |
| Uninsured deposits | 7.7% (stronger) | 19.7% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.0% | 6.0% |
Liberty Bay Credit Union has the higher TellerScore (78 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Central One Federal Credit Union leads on 3 and Liberty Bay Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.