Side-by-side · Q2 2026 data
First Liberty Bank vs Common Cents Federal Credit Union
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | First Liberty Bank | Common Cents Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 51 | 71 (stronger) |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 71 | 87 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 50th | 83rd |
| Total assets | $873.2M | $34.2M |
| Deposits / shares | $763.3M | $30.0M |
| Capital ratio | 10.11% | 12.13% (stronger) |
| Problem loans | 0.42% | 0.30% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.66% |
| Return on assets | 1.34% | 2.37% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 73.0% |
| Uninsured deposits | 37.6% | 1.9% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.3% | — |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Liberty Bank leads on 2 and Common Cents Federal Credit Union on 5. 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.