Side-by-side · Q2 2026 data
Four Points Federal Credit Union vs Liberty First Credit Union
Metric by metric
| Measure | Four Points Federal Credit Union | Liberty First Credit Union |
|---|---|---|
| TellerScore | 33 | 86 (stronger) |
| Capital cushion | 0 | 100 (stronger) |
| Loan quality | 59 | 74 (stronger) |
| Earnings | 0 | 90 (stronger) |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 55 | 92 (stronger) |
| Peer percentile | 1st | 89th |
| Total assets | $165.5M | $523.4M |
| Deposits / shares | $132.2M | $437.2M |
| Capital ratio | 3.57% | 15.08% (stronger) |
| Problem loans | 1.24% | 0.79% (stronger) |
| Net charge-offs | 6.04% | 0.26% (stronger) |
| Return on assets | -7.07% | 1.75% (stronger) |
| Loans ÷ deposits | 77.6% (stronger) | 91.4% |
| Uninsured deposits | 6.8% | 2.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
Liberty First Credit Union has the higher TellerScore (86 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Four Points Federal Credit Union leads on 1 and Liberty First Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.