Side-by-side · Q2 2026 data
Chemcel Federal Credit Union vs Libertyone Credit Union
Metric by metric
| Measure | Chemcel Federal Credit Union | Libertyone Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 60 |
| Capital cushion | 71 (stronger) | 62 |
| Loan quality | 75 (stronger) | 56 |
| Earnings | 52 (stronger) | 35 |
| Funding & liquidity | 96 (stronger) | 78 |
| Problem-loan coverage | 93 (stronger) | 83 |
| Peer percentile | 63rd | 21st |
| Total assets | $184.0M | $175.5M |
| Deposits / shares | $159.9M | $155.6M |
| Capital ratio | 12.11% (stronger) | 11.15% |
| Problem loans | 0.75% (stronger) | 1.32% |
| Net charge-offs | 0.82% | 0.49% (stronger) |
| Return on assets | 0.80% (stronger) | 0.38% |
| Loans ÷ deposits | 64.1% (stronger) | 81.2% |
| Uninsured deposits | 4.2% (stronger) | 16.0% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Chemcel Federal Credit Union has the higher TellerScore (74 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Chemcel Federal Credit Union leads on 6 and Libertyone Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.