Side-by-side · Q2 2026 data
Education 1st Credit Union vs Freedom Credit Union
Metric by metric
| Measure | Education 1st Credit Union | Freedom Credit Union |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 49 | 67 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 48 | 60 (stronger) |
| Funding & liquidity | 65 | 80 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 36th | 57th |
| Total assets | $61.9M | $70.0M |
| Deposits / shares | $55.6M | $61.2M |
| Capital ratio | 9.94% | 11.69% (stronger) |
| Problem loans | 0.05% (stronger) | 0.24% |
| Net charge-offs | 0.49% | 0.15% (stronger) |
| Return on assets | 0.69% | 1.01% (stronger) |
| Loans ÷ deposits | 95.3% | 80.6% (stronger) |
| Uninsured deposits | 6.9% | 4.7% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Credit Union has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Education 1st 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.