Side-by-side · Q2 2026 data
Freedom Bank vs Daviess County Teachers Federal Credit Union
Credit union
Daviess County Teachers Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Freedom Bank | Daviess County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 82 |
| Capital cushion | 76 (stronger) | 75 |
| Loan quality | 92 (stronger) | 84 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 42 | 93 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 82nd | 70th |
| Total assets | $585.7M | $75.3M |
| Deposits / shares | $505.7M | $65.8M |
| Capital ratio | 12.62% (stronger) | 12.47% |
| Problem loans | 0.23% (stronger) | 0.49% |
| Net charge-offs | 0.01% (stronger) | 0.59% |
| Return on assets | 2.26% (stronger) | 1.39% |
| Loans ÷ deposits | 97.9% | 67.4% (stronger) |
| Uninsured deposits | 33.4% | 3.7% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Freedom Bank leads on 4 and Daviess County Teachers Federal Credit Union on 2. 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.