Side-by-side · Q2 2026 data
First Freedom Bank vs St. Thomas Credit Union
Metric by metric
| Measure | First Freedom Bank | St. Thomas Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 59 |
| Capital cushion | 75 (stronger) | 73 |
| Loan quality | 100 (stronger) | 38 |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 53 | 72 (stronger) |
| Problem-loan coverage | 94 (stronger) | 77 |
| Peer percentile | 88th | 20th |
| Total assets | $817.8M | $38.3M |
| Deposits / shares | $710.0M | $33.4M |
| Capital ratio | 12.45% (stronger) | 12.26% |
| Problem loans | 0.01% (stronger) | 1.86% |
| Net charge-offs | 0.13% | 0.04% (stronger) |
| Return on assets | 1.99% (stronger) | 0.58% |
| Loans ÷ deposits | 95.8% | 88.0% (stronger) |
| Uninsured deposits | 25.0% | 8.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
First Freedom Bank has the higher TellerScore (85 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Freedom Bank leads on 4 and St. Thomas 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.