Side-by-side · Q2 2026 data
Freedom Bank vs Edinburg Teachers Credit Union
Metric by metric
| Measure | Freedom Bank | Edinburg Teachers Credit Union |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 68 (stronger) | 29 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 77th | 77th |
| Total assets | $301.2M | $98.0M |
| Deposits / shares | $246.4M | $80.7M |
| Capital ratio | 12.15% | 22.59% (stronger) |
| Problem loans | 0.17% | 0.12% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.13% |
| Return on assets | 1.21% (stronger) | 0.23% |
| Loans ÷ deposits | 68.7% | 25.6% (stronger) |
| Uninsured deposits | 29.2% | 3.2% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Edinburg Teachers Credit Union has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Freedom Bank leads on 2 and Edinburg Teachers Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.