Side-by-side · Q2 2026 data
Direct Federal Credit Union vs Freedom Credit Union
Metric by metric
| Measure | Direct Federal Credit Union | Freedom Credit Union |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 64 | 93 (stronger) |
| Loan quality | 88 (stronger) | 40 |
| Earnings | 27 | 43 (stronger) |
| Funding & liquidity | 50 | 76 (stronger) |
| Problem-loan coverage | 94 (stronger) | 83 |
| Peer percentile | 31st | 37th |
| Total assets | $794.7M | $764.0M |
| Deposits / shares | $622.0M | $611.6M |
| Capital ratio | 11.36% | 14.26% (stronger) |
| Problem loans | 0.36% (stronger) | 1.81% |
| Net charge-offs | 0.15% | 0.05% (stronger) |
| Return on assets | 0.18% | 0.57% (stronger) |
| Loans ÷ deposits | 114.1% | 84.6% (stronger) |
| Uninsured deposits | 10.5% | 10.1% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.3% | — |
Freedom Credit Union has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Direct Federal Credit Union leads on 1 and Freedom Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.