Side-by-side · Q2 2026 data
Fedchoice Federal Credit Union vs Freedom of Maryland Federal Credit Union
Credit union
Freedom of Maryland Federal Credit Union
Bel Air, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Fedchoice Federal Credit Union | Freedom of Maryland Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 51 |
| Capital cushion | 44 (stronger) | 37 |
| Loan quality | 78 (stronger) | 48 |
| Earnings | 40 | 47 (stronger) |
| Funding & liquidity | 84 (stronger) | 74 |
| Problem-loan coverage | 89 (stronger) | 73 |
| Peer percentile | 26th | 7th |
| Total assets | $468.7M | $557.4M |
| Deposits / shares | $423.2M | $495.0M |
| Capital ratio | 9.42% (stronger) | 8.66% |
| Problem loans | 0.65% (stronger) | 1.55% |
| Net charge-offs | 1.36% | 0.55% (stronger) |
| Return on assets | 0.49% | 0.68% (stronger) |
| Loans ÷ deposits | 76.0% (stronger) | 86.3% |
| Uninsured deposits | 11.5% | 5.2% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.3% | 2.6% |
Fedchoice Federal Credit Union has the higher TellerScore (62 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Fedchoice Federal Credit Union leads on 4 and Freedom of Maryland Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.