Side-by-side · Q2 2026 data
CerescoBank vs Liberty First Credit Union
Metric by metric
| Measure | CerescoBank | Liberty First Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 86 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 98 (stronger) | 74 |
| Earnings | 81 | 90 (stronger) |
| Funding & liquidity | 97 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 92nd | 89th |
| Total assets | $81.3M | $523.4M |
| Deposits / shares | $69.0M | $437.2M |
| Capital ratio | 13.85% | 15.08% (stronger) |
| Problem loans | 0.06% (stronger) | 0.79% |
| Net charge-offs | 0.04% (stronger) | 0.26% |
| Return on assets | 1.52% | 1.75% (stronger) |
| Loans ÷ deposits | 63.3% (stronger) | 91.4% |
| Uninsured deposits | 13.7% | 2.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
CerescoBank has the higher TellerScore (92 vs 86). On the 7 directional measures above (where higher or lower is clearly better), CerescoBank leads on 4 and Liberty First Credit Union on 3. 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.